PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

White County

Searcy, AR · Charter 24428

NCUA · 1 branch

Q2 2026

$17.0MAssets
$11.1MLoans
$13.8MShares
$3.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.99%, down 50 bps year over year; NIM at 4.96%.
  • Asset quality: problem loans at 2.58% of loans (+172 bps YoY).
  • Capital: net worth / assets of 17.68%, up 179 bps from a year ago.
  • Funding: loans stand at 80.40% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.99%-50 bps YoY

Net Interest Margin (YTD, annualized)

4.96%-23 bps YoY

Efficiency Ratio (YTD, annualized)

73.67%+166 bps YoY

Net Worth / Assets

17.68%+179 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.49%1.59%1.40%0.80%0.99%-50 bps
Return on Equity9.37%9.56%8.24%4.79%5.58%-379 bps
Net Interest Margin5.19%5.33%5.42%4.79%4.96%-23 bps
Efficiency Ratio72.01%71.50%72.14%81.00%73.67%+166 bps
Growth
Asset Growth (YoY)-0.53%0.48%-1.65%-3.81%-5.48%-495 bps
Loan Growth (YoY)-11.64%-10.85%-12.76%-15.23%-11.49%+16 bps
Share Growth (YoY)-1.87%-0.98%-4.73%-5.79%-7.34%-547 bps
Asset Quality
Delinquent Loans / Loans0.86%1.23%2.64%2.29%2.58%+172 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.88%16.63%16.98%16.77%17.68%+179 bps
Net Worth / Assets15.88%16.63%16.98%16.77%17.68%+179 bps
Liquidity & Funding
Loans / Shares84.16%84.33%85.67%78.00%80.40%-376 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps