Benton, AR · Charter 8987
NCUA · 4 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 | 2.07% | 1.99% | 1.80% | 1.67% | 1.71% | 1.61% | 1.30% | 1.47% | -20 bps | |
| Return on Equity | 14.15% | 13.32% | 11.94% | 10.80% | 10.56% | 9.90% | 7.90% | 8.65% | -216 bps | |
| Net Interest Margin | 4.62% | 4.58% | 4.36% | 4.43% | 4.55% | 4.47% | 4.16% | 4.24% | -19 bps | |
| Efficiency Ratio | 65.12% | 65.81% | 65.62% | 68.60% | 67.64% | 69.19% | 73.04% | 69.89% | +128 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.30% | 1.87% | -0.11% | -1.56% | 0.91% | 1.67% | 0.61% | -0.15% | +141 bps | |
| Loan Growth (YoY) | -4.48% | -6.32% | -7.31% | -9.11% | -12.08% | -9.10% | -11.81% | -7.72% | +139 bps | |
| Share Growth (YoY) | -4.86% | -0.16% | -2.35% | -3.89% | -0.93% | 0.04% | -1.01% | -1.93% | +195 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.05% | 0.08% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.60% | 14.92% | 15.08% | 15.42% | 16.20% | 16.29% | 16.46% | 16.95% | +153 bps | |
| Net Worth / Assets | 14.60% | 14.92% | 15.08% | 15.42% | 16.20% | 16.29% | 16.46% | 16.95% | +153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.72% | 75.78% | 73.15% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |