Arkansas Best

FORT SMITH, AR · 1 · Charter #13737 · www.abfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$142.7M
69th percentile
Members
11,571
77th percentile
Total loans
$59.8M
50th percentile
Total shares
$119.6M
69th percentile

Profitability

Return on assets
1.24%
64th percentile
Net interest margin
3.36%
34th percentile
Efficiency ratio
52.13%
79th percentile
Non-interest income ratio
16.26%
45th percentile

Capital & Risk

Net worth ratio
16.10%
82th percentile
Delinquency rate
0.53%
63th percentile
Net charge-off rate
0.56%
27th percentile
Loan-to-share
50.00%
20th percentile

Growth

Member growth YoY
-2.87%
25th percentile
Asset growth YoY
-0.93%
15th percentile
Loan growth YoY
-0.91%
36th percentile
Share growth YoY
-2.51%
10th percentile

Operations

Members / branch
11,571
99th percentile
Assets / member
$12,335
32th percentile
Field of membership penetration
17.44%
68th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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