Little Rock, AR · Charter 21268
NCUA · 1 branch
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
42
Asset Quality
89
Profitability
68
Liquidity
0
Efficiency
84
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.
Little Rock, AR · Charter 21268
NCUA · 1 branch
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 | 1.46% | 1.49% | 1.45% | 1.35% | 1.25% | -21 bps | |
| Return on Equity | 11.92% | 11.79% | 10.83% | 10.87% | 9.59% | -233 bps | |
| Net Interest Margin | 3.90% | 3.97% | 4.10% | 3.67% | 3.77% | -13 bps | |
| Efficiency Ratio | 63.90% | 64.23% | 66.47% | 65.28% | 69.39% | +549 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.88% | -1.68% | 0.39% | 2.68% | 3.68% | +456 bps | |
| Loan Growth (YoY) | -10.62% | -8.76% | -5.23% | -4.66% | -1.10% | +952 bps | |
| Share Growth (YoY) | -2.45% | -3.46% | -1.24% | 1.53% | 2.75% | +520 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.24% | 0.13% | 0.08% | 0.06% | -11 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.24% | 12.67% | 13.40% | 12.43% | 13.06% | +82 bps | |
| Net Worth / Assets | 12.24% | 12.67% | 13.40% | 12.43% | 13.06% | +82 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.57% | 41.07% | 41.92% | 35.97% | 39.05% | -152 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Little Rock, AR · Charter 21268 · Peer group: credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (n=19)
NCUA · 1 branch
Q2 2026
Return on Assets
1.25%
Rank 5 of 19
Net Interest Margin
3.77%
Rank 11 of 19
Efficiency Ratio
69.45%
Rank 4 of 19
Equity / Assets
13.06%
Rank 11 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.25% | -0.02% | 0.44% | 1.25% | Beats 74% | 5 / 19 | |
| Return on Equity | 9.56% | -0.07% | 3.96% | 5.78% | Beats 89% | 2 / 19 | |
| Net Interest Margin | 3.77% | 3.37% | 4.04% | 4.48% | Beats 42% | 11 / 19 | |
| Efficiency Ratio | 69.45% | 69.76% | 87.77% | 101.21% | Beats 84% | 4 / 19 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.06% | 0.12% | 0.82% | 2.31% | Beats 89% | 3 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.06% | 11.21% | 13.34% | 22.44% | Beats 42% | 11 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.06% | 11.21% | 13.34% | 22.44% | Beats 42% | 11 / 19 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 39.05% | 56.40% | 66.97% | 83.97% | 5th pctl | 18 / 19 | |
| Loans / Assets | 33.91% | 43.58% | 56.37% | 69.23% | 5th pctl | 18 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||