Natural State
Searcy, AR · Charter 24432 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$8.8MAssets
$5.9MLoans
$7.1MShares
$1.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 88% of credit unions under $1B in assets (rank 209 of 1683).
- Widest gap: efficiency ratio trails 62% of credit unions under $1B in assets (rank 1047 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 |