PackageTrendsPeer
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Subiaco

Subiaco, AR · Charter 5922

NCUA · 2 branches

Q2 2026

$27.1MAssets
$6.0MLoans
$22.6MShares
$4.4MNet 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 0.64%, up 126 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.62% of loans (+17 bps YoY).
  • Capital: net worth / assets of 16.12%, up 49 bps from a year ago.
  • Funding: loans stand at 26.62% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.64%+126 bps YoY

Net Interest Margin (YTD, annualized)

3.61%-9 bps YoY

Efficiency Ratio (YTD, annualized)

83.21%-3,404 bps YoY

Net Worth / Assets

16.12%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin3.70%3.69%3.74%3.60%3.61%-9 bps
Efficiency Ratio117.25%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 / Loans0.45%0.28%0.68%1.83%0.62%+17 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 Capital15.63%15.67%15.94%15.95%16.12%+49 bps
Net Worth / Assets15.63%15.67%15.94%15.95%16.12%+49 bps
Liquidity & Funding
Loans / Shares31.68%31.80%29.67%27.74%26.62%-506 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps