PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Arsenal

Arnold, MO · Charter 67195

NCUA · 4 branches

Q2 2026

$387.5MAssets
$280.9MLoans
$354.1MShares
$34.3MNet 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 0.51%, up 23 bps year over year; NIM at 4.86%.
  • Asset quality: problem loans at 1.10% of loans (-94 bps YoY).
  • Capital: net worth / assets of 8.84%, up 122 bps from a year ago.
  • Funding: loans stand at 79.32% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.51%+23 bps YoY

Net Interest Margin (YTD, annualized)

4.86%+103 bps YoY

Efficiency Ratio (YTD, annualized)

75.39%-414 bps YoY

Net Worth / Assets

8.84%+122 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.24%0.28%0.45%0.51%+23 bps
Return on Equity3.68%3.04%3.47%5.24%5.76%+208 bps
Net Interest Margin3.83%4.06%4.34%4.75%4.86%+103 bps
Efficiency Ratio79.53%79.31%76.55%76.83%75.39%-414 bps
Growth
Asset Growth (YoY)4.26%1.21%-2.57%-6.94%-10.23%-1,448 bps
Loan Growth (YoY)0.49%-0.86%0.42%-0.83%-3.48%-397 bps
Share Growth (YoY)7.45%3.56%-1.49%-8.51%-11.63%-1,908 bps
Asset Quality
Delinquent Loans / Loans2.05%2.20%2.33%1.65%1.10%-94 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 Capital7.62%7.73%8.18%8.53%8.84%+122 bps
Net Worth / Assets7.62%7.73%8.18%8.53%8.84%+122 bps
Liquidity & Funding
Loans / Shares72.62%75.24%78.05%80.25%79.32%+670 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps