Searcy, AR · Charter 24432
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |