Searcy, AR · Charter 24432
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
78
Asset Quality
69
Profitability
69
Liquidity
43
Efficiency
38
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Searcy, AR · Charter 24432
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 0.38% | 0.58% | 1.06% | 1.20% | 1.08% | 0.71% | 1.04% | -2 bps | |
| Return on Equity | 6.31% | 2.37% | 3.69% | 6.42% | 7.10% | 6.40% | 4.33% | 6.00% | -42 bps | |
| Net Interest Margin | 4.29% | 4.37% | 4.38% | 4.72% | 4.81% | 4.73% | 4.55% | 4.79% | +7 bps | |
| Efficiency Ratio | 78.03% | 90.25% | 78.84% | 77.47% | 77.73% | 80.02% | 87.28% | 82.39% | +492 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.29% | 5.25% | 10.38% | 3.17% | 1.27% | 2.85% | 1.88% | 1.29% | -188 bps | |
| Loan Growth (YoY) | -8.60% | -9.94% | -14.11% | -12.14% | -15.28% | -11.12% | -3.27% | -1.81% | +1,033 bps | |
| Share Growth (YoY) | 4.63% | 5.99% | 12.15% | 4.18% | 1.44% | 1.38% | 0.87% | -0.56% | -474 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 0.52% | 0.00% | 0.55% | 0.05% | 0.36% | 0.27% | 0.36% | -19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.08% | 0.09% | 0.12% | 0.17% | 0.25% | 0.28% | 0.29% | 0.29% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.59% | 16.20% | 15.73% | 16.54% | 16.88% | 16.83% | 16.52% | 17.40% | +87 bps | |
| Net Worth / Assets | 16.59% | 16.20% | 15.73% | 16.54% | 16.88% | 16.83% | 16.52% | 17.40% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.95% | 87.41% | 79.27% | 83.31% | 77.62% | 76.63% | 76.01% | 82.26% | -105 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Searcy, AR · Charter 24432 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.04%
Rank 555 of 1,683
Net Interest Margin
4.79%
Rank 209 of 1,683
Efficiency Ratio
82.26%
Rank 1,047 of 1,682
Equity / Assets
17.40%
Rank 367 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.04% | 0.35% | 0.74% | 1.18% | Beats 67% | 555 / 1,683 | ||
| Return on Equity | 6.00% | 2.67% | 5.89% | 8.74% | Beats 51% | 821 / 1,681 | ||
| Net Interest Margin | 4.79% | 3.31% | 3.82% | 4.32% | Beats 88% | 209 / 1,683 | ||
| Efficiency Ratio | 82.26% | 68.91% | 78.20% | 86.93% | Beats 38% | 1,047 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.36% | 0.26% | 0.65% | 1.29% | Beats 69% | 528 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.40% | 10.44% | 12.89% | 16.53% | Beats 78% | 367 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.40% | 10.44% | 12.89% | 16.53% | Beats 78% | 367 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.27% | 52.61% | 69.38% | 83.50% | 74th pctl | 443 / 1,683 | ||
| Loans / Assets | 66.65% | 44.71% | 59.18% | 70.72% | 66th pctl | 578 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||