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 | |