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Little Rock Teachers

Little Rock, AR · Charter 1878

Q1 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2006, the quarter ended March 31, 2006, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Little Rock Teachers

Little Rock, AR · Charter 1878

Q1 2006

$2.6MAssets
$1.8MLoans
$2.5MShares
$65KNet 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 -8.32%, up 513 bps year over year; NIM at 6.64%.
  • Asset quality: problem loans at 5.72% of loans (-206 bps YoY).
  • Capital: net worth / assets of 2.49%, down 526 bps from a year ago.
  • Funding: loans stand at 72.30% of shares as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

-8.32%+513 bps YoY

Net Interest Margin (YTD, annualized)

6.64%+150 bps YoY

Efficiency Ratio (YTD, annualized)

117.33%+2,557 bps YoY

Net Worth / Assets

2.49%-526 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets-13.45%-6.36%-6.17%-10.19%-8.32%+513 bps
Return on Equity-173.53%-78.64%-66.10%-209%-334%-16,042 bps
Net Interest Margin5.14%5.32%6.26%7.24%6.64%+150 bps
Efficiency Ratio91.76%88.53%104.58%115.89%117.33%+2,557 bps
Growth
Asset Growth (YoY)-3.33%-7.77%-25.88%-26.83%-22.89%-1,956 bps
Loan Growth (YoY)-16.98%-20.50%-19.39%-16.98%-8.70%+828 bps
Share Growth (YoY)1.38%-4.85%-25.08%-21.00%-18.72%-2,011 bps
Asset Quality
Delinquent Loans / Loans7.77%4.73%6.89%6.73%5.72%-206 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.11%5.50%5.95%5.14%7.50%+239 bps
Capital
Risk-Based Capital7.75%8.08%9.33%4.88%2.49%-526 bps
Net Worth / Assets7.75%8.08%9.33%4.88%2.49%-526 bps
Liquidity & Funding
Loans / Shares64.36%61.16%74.88%75.83%72.30%+794 bps
Liquid Assets / Assets41.00%44.05%32.33%27.50%31.58%-943 bps