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Arkansas Farm Bureau

Little Rock, AR · Charter 24439

NCUA · 1 branch

Q2 2026

$7.4MAssets
$3.2MLoans
$5.2MShares
$2.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.71%, down 45 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 1.39% of loans (-93 bps YoY).
  • Capital: net worth / assets of 29.40%, up 19 bps from a year ago.
  • Funding: loans stand at 61.75% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.71%-45 bps YoY

Net Interest Margin (quarter, annualized)

3.17%-38 bps YoY

Efficiency Ratio (quarter, annualized)

47.12%+1,294 bps YoY

Net Worth / Assets

29.40%+19 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.16%2.22%1.12%1.76%1.71%-45 bps
Return on Equity7.38%7.46%3.75%6.07%5.82%-156 bps
Net Interest Margin3.55%3.64%2.50%3.17%3.17%-38 bps
Efficiency Ratio34.18%34.72%51.07%50.09%47.12%+1,294 bps
Growth
Asset Growth (YoY)-1.92%-1.00%-1.80%-0.53%2.35%+426 bps
Loan Growth (YoY)-12.39%21.04%21.31%10.82%10.30%+2,268 bps
Share Growth (YoY)-3.74%-2.48%-3.56%-2.15%2.04%+578 bps
Asset Quality
Delinquent Loans / Loans2.32%1.38%1.55%0.00%1.39%-93 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital29.21%29.82%29.87%28.99%29.40%+19 bps
Net Worth / Assets29.21%29.82%29.87%28.99%29.40%+19 bps
Liquidity & Funding
Loans / Shares57.13%80.69%78.13%66.71%61.75%+462 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps