El Dorado, AR · Charter 24437
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
83
Asset Quality
87
Profitability
84
Liquidity
40
Efficiency
58
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.
El Dorado, AR · Charter 24437
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 | 1.83% | 1.48% | -0.50% | 0.56% | 0.91% | 1.23% | 1.39% | 1.56% | +100 bps | |
| Return on Equity | 10.43% | 8.50% | -2.89% | 3.16% | 5.08% | 6.61% | 7.63% | 8.32% | +517 bps | |
| Net Interest Margin | 5.44% | 5.39% | 5.22% | 5.24% | 5.24% | 5.31% | 4.88% | 5.00% | -24 bps | |
| Efficiency Ratio | 73.25% | 73.95% | 110.11% | 88.69% | 82.91% | 80.10% | 78.48% | 75.67% | -1,302 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.98% | -2.77% | -1.70% | 0.98% | 1.52% | -0.47% | 3.82% | 2.67% | +170 bps | |
| Loan Growth (YoY) | 9.21% | 9.75% | 7.79% | 8.56% | 1.35% | -0.57% | -1.25% | -4.45% | -1,301 bps | |
| Share Growth (YoY) | -8.71% | -4.74% | -2.63% | 0.73% | 0.75% | -2.08% | 2.53% | 1.12% | +40 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.33% | 0.79% | 0.35% | 0.03% | 0.00% | 0.04% | 0.09% | -26 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.53% | 17.40% | 17.28% | 17.59% | 17.95% | 18.60% | 18.18% | 18.72% | +113 bps | |
| Net Worth / Assets | 17.53% | 17.40% | 17.28% | 17.59% | 17.95% | 18.60% | 18.18% | 18.72% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.59% | 85.61% | 85.69% | 87.92% | 85.10% | 86.93% | 82.53% | 83.07% | -484 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
El Dorado, AR · Charter 24437 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.56%
Rank 220 of 1,683
Net Interest Margin
5.00%
Rank 143 of 1,683
Efficiency Ratio
75.72%
Rank 706 of 1,682
Equity / Assets
18.72%
Rank 289 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.56% | 0.35% | 0.74% | 1.18% | Beats 87% | 220 / 1,683 | ||
| Return on Equity | 8.33% | 2.67% | 5.89% | 8.74% | Beats 72% | 469 / 1,681 | ||
| Net Interest Margin | 5.00% | 3.31% | 3.82% | 4.32% | Beats 92% | 143 / 1,683 | ||
| Efficiency Ratio | 75.72% | 68.91% | 78.20% | 86.93% | Beats 58% | 706 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.26% | 0.65% | 1.29% | Beats 87% | 222 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.72% | 10.44% | 12.89% | 16.53% | Beats 83% | 289 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.72% | 10.44% | 12.89% | 16.53% | Beats 83% | 289 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.08% | 52.61% | 69.38% | 83.50% | 75th pctl | 429 / 1,683 | ||
| Loans / Assets | 67.32% | 44.71% | 59.18% | 70.72% | 68th pctl | 546 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||