Subiaco, AR · Charter 5922
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.82% | 0.78% | -0.62% | -0.14% | 0.04% | 0.46% | 0.64% | +126 bps | |
| Return on Equity | 5.46% | 5.13% | 4.88% | -3.95% | -0.89% | 0.26% | 2.89% | 4.00% | +795 bps | |
| Net Interest Margin | 3.38% | 3.40% | 3.62% | 3.70% | 3.69% | 3.74% | 3.60% | 3.61% | -9 bps | |
| Efficiency Ratio | 74.45% | 76.31% | 80.37% | 117.25% | 104.24% | 99.30% | 87.18% | 83.21% | -3,404 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.49% | -1.30% | -1.27% | 0.56% | 1.98% | 0.21% | -0.52% | 1.03% | +47 bps | |
| Loan Growth (YoY) | -0.85% | -3.83% | -5.90% | -5.12% | -1.09% | -5.35% | -9.18% | -15.68% | -1,057 bps | |
| Share Growth (YoY) | -9.59% | -2.32% | -2.54% | 0.43% | 1.97% | 0.00% | -0.66% | 0.34% | -9 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.02% | 0.18% | 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 | 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 | 15.93% | 15.95% | 15.92% | 15.63% | 15.67% | 15.94% | 15.95% | 16.12% | +49 bps | |
| Net Worth / Assets | 15.93% | 15.95% | 15.92% | 15.63% | 15.67% | 15.94% | 15.95% | 16.12% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.78% | 31.34% | 30.34% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |