Benton, AR · Charter 8987
NCUA · 4 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 in the Little Rock-North Little Rock-Conway, AR area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
74
Profitability
75
Liquidity
100
Efficiency
79
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.
Benton, AR · Charter 8987
NCUA · 4 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 | 1.67% | 1.71% | 1.61% | 1.30% | 1.47% | -20 bps | |
| Return on Equity | 10.80% | 10.56% | 9.90% | 7.90% | 8.65% | -216 bps | |
| Net Interest Margin | 4.43% | 4.55% | 4.47% | 4.16% | 4.24% | -19 bps | |
| Efficiency Ratio | 68.60% | 67.64% | 69.19% | 73.04% | 69.89% | +128 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.56% | 0.91% | 1.67% | 0.61% | -0.15% | +141 bps | |
| Loan Growth (YoY) | -9.11% | -12.08% | -9.10% | -11.81% | -7.72% | +139 bps | |
| Share Growth (YoY) | -3.89% | -0.93% | 0.04% | -1.01% | -1.93% | +195 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.50% | 0.07% | 0.70% | 0.38% | +38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.03% | 0.03% | 0.03% | 0.05% | 0.08% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.42% | 16.20% | 16.29% | 16.46% | 16.95% | +153 bps | |
| Net Worth / Assets | 15.42% | 16.20% | 16.29% | 16.46% | 16.95% | +153 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.18% | 70.76% | 68.85% | 65.17% | 66.97% | -420 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Benton, AR · Charter 8987 · Peer group: credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (n=19)
NCUA · 4 branches
Q2 2026
Return on Assets
1.47%
Rank 2 of 19
Net Interest Margin
4.24%
Rank 8 of 19
Efficiency Ratio
69.76%
Rank 5 of 19
Equity / Assets
16.94%
Rank 8 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.47% | -0.02% | 0.44% | 1.25% | Beats 89% | 2 / 19 | |
| Return on Equity | 8.66% | -0.07% | 3.96% | 5.78% | Beats 79% | 4 / 19 | |
| Net Interest Margin | 4.24% | 3.37% | 4.04% | 4.48% | Beats 58% | 8 / 19 | |
| Efficiency Ratio | 69.76% | 69.76% | 87.77% | 101.21% | Beats 79% | 5 / 19 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.37% | 0.12% | 0.82% | 2.31% | Beats 74% | 6 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.94% | 11.21% | 13.34% | 22.44% | Beats 58% | 8 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.94% | 11.21% | 13.34% | 22.44% | Beats 58% | 8 / 19 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.97% | 56.40% | 66.97% | 83.97% | 47th pctl | 10 / 19 | |
| Loans / Assets | 55.45% | 43.58% | 56.37% | 69.23% | 42nd pctl | 11 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||