Camden, AR · Charter 8812
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
59
Asset Quality
26
Profitability
74
Liquidity
50
Efficiency
52
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.
Camden, AR · Charter 8812
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.32% | 1.67% | 1.60% | 1.63% | 1.57% | 0.90% | 1.04% | -56 bps | |
| Return on Equity | 8.47% | 10.23% | 13.05% | 12.12% | 12.15% | 11.36% | 6.66% | 7.47% | -464 bps | |
| Net Interest Margin | 4.80% | 4.88% | 4.85% | 4.97% | 4.96% | 5.03% | 4.74% | 4.86% | -11 bps | |
| Efficiency Ratio | 74.60% | 76.42% | 67.74% | 70.74% | 70.35% | 71.94% | 76.53% | 77.45% | +671 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.24% | 5.08% | 4.89% | 3.73% | 5.58% | 4.83% | 4.80% | 4.51% | +78 bps | |
| Loan Growth (YoY) | 14.35% | 15.84% | 13.39% | 3.00% | 3.57% | 1.92% | -1.33% | -0.70% | -369 bps | |
| Share Growth (YoY) | 2.28% | 4.22% | 3.91% | 3.18% | 3.59% | 3.49% | 4.08% | 3.46% | +28 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.76% | 1.21% | 1.29% | 1.20% | 1.65% | 0.85% | 1.25% | -3 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 | 12.29% | 12.87% | 12.81% | 13.22% | 13.43% | 13.85% | 13.56% | 13.91% | +69 bps | |
| Net Worth / Assets | 12.29% | 12.87% | 12.81% | 13.22% | 13.43% | 13.85% | 13.56% | 13.91% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.33% | 86.28% | 83.94% | 84.04% | 84.32% | 84.97% | 79.58% | 80.67% | -337 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Camden, AR · Charter 8812 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.04%
Rank 558 of 1,683
Net Interest Margin
4.86%
Rank 182 of 1,683
Efficiency Ratio
77.43%
Rank 800 of 1,682
Equity / Assets
13.91%
Rank 687 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.04% | 0.35% | 0.74% | 1.18% | Beats 67% | 558 / 1,683 | ||
| Return on Equity | 7.47% | 2.67% | 5.89% | 8.74% | Beats 65% | 588 / 1,681 | ||
| Net Interest Margin | 4.86% | 3.31% | 3.82% | 4.32% | Beats 89% | 182 / 1,683 | ||
| Efficiency Ratio | 77.43% | 68.91% | 78.20% | 86.93% | Beats 52% | 800 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.25% | 0.26% | 0.65% | 1.29% | Beats 26% | 1,252 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.91% | 10.44% | 12.89% | 16.53% | Beats 59% | 687 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.91% | 10.44% | 12.89% | 16.53% | Beats 59% | 687 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.67% | 52.61% | 69.38% | 83.50% | 71st pctl | 495 / 1,683 | ||
| Loans / Assets | 68.98% | 44.71% | 59.18% | 70.72% | 71st pctl | 484 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||