Subiaco, AR · Charter 5922
NCUA · 2 branches
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
73
Asset Quality
52
Profitability
39
Liquidity
0
Efficiency
35
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.
Subiaco, AR · Charter 5922
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.62% | -0.14% | 0.04% | 0.46% | 0.64% | +126 bps | |
| Return on Equity | -3.95% | -0.89% | 0.26% | 2.89% | 4.00% | +795 bps | |
| Net Interest Margin | 3.70% | 3.69% | 3.74% | 3.60% | 3.61% | -9 bps | |
| Efficiency Ratio | 117.25% | 104.24% | 99.30% | 87.18% | 83.21% | -3,404 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.56% | 1.98% | 0.21% | -0.52% | 1.03% | +47 bps | |
| Loan Growth (YoY) | -5.12% | -1.09% | -5.35% | -9.18% | -15.68% | -1,057 bps | |
| Share Growth (YoY) | 0.43% | 1.97% | 0.00% | -0.66% | 0.34% | -9 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.28% | 0.68% | 1.83% | 0.62% | +17 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.63% | 15.67% | 15.94% | 15.95% | 16.12% | +49 bps | |
| Net Worth / Assets | 15.63% | 15.67% | 15.94% | 15.95% | 16.12% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 31.68% | 31.80% | 29.67% | 27.74% | 26.62% | -506 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Subiaco, AR · Charter 5922 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.64%
Rank 961 of 1,683
Net Interest Margin
3.61%
Rank 1,032 of 1,683
Efficiency Ratio
83.20%
Rank 1,099 of 1,682
Equity / Assets
16.13%
Rank 450 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.35% | 0.74% | 1.18% | Beats 43% | 961 / 1,683 | |
| Return on Equity | 3.98% | 2.67% | 5.89% | 8.74% | Beats 35% | 1,094 / 1,681 | |
| Net Interest Margin | 3.61% | 3.31% | 3.82% | 4.32% | Beats 39% | 1,032 / 1,683 | |
| Efficiency Ratio | 83.20% | 68.91% | 78.20% | 86.93% | Beats 35% | 1,099 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.61% | 0.26% | 0.65% | 1.29% | Beats 52% | 810 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.13% | 10.44% | 12.89% | 16.53% | Beats 73% | 450 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.13% | 10.44% | 12.89% | 16.53% | Beats 73% | 450 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 26.62% | 52.61% | 69.38% | 83.50% | 4th pctl | 1,620 / 1,683 | |
| Loans / Assets | 22.22% | 44.71% | 59.18% | 70.72% | 4th pctl | 1,622 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||