Little Rock, AR · Charter 23170
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
37
Asset Quality
21
Profitability
20
Liquidity
86
Efficiency
26
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 23170
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.50% | 0.33% | 0.40% | 0.23% | 0.42% | -0.57% | -0.47% | -87 bps | |
| Return on Equity | 4.49% | 4.14% | 2.72% | 3.14% | 1.82% | 3.29% | -4.42% | -3.69% | -683 bps | |
| Net Interest Margin | 3.93% | 3.94% | 3.48% | 3.82% | 3.85% | 3.88% | 3.82% | 3.63% | -19 bps | |
| Efficiency Ratio | 85.09% | 84.99% | 93.55% | 85.61% | 83.86% | 88.28% | 95.39% | 100.64% | +1,504 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.06% | 4.67% | 5.51% | -1.02% | -3.98% | -3.03% | -4.20% | 0.78% | +181 bps | |
| Loan Growth (YoY) | 1.76% | 7.94% | 9.95% | 6.17% | 0.35% | -2.70% | 0.37% | -3.57% | -974 bps | |
| Share Growth (YoY) | 4.47% | 4.63% | 4.36% | -2.48% | -4.86% | -3.88% | -5.00% | 1.04% | +353 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.43% | 1.73% | 1.45% | 1.86% | 1.80% | 2.14% | 1.89% | 2.34% | +48 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 | 0.49% | 0.62% | 0.61% | 0.85% | 1.16% | 0.81% | 1.04% | 1.20% | +35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.93% | 12.09% | 12.12% | 12.72% | 12.69% | 12.89% | 12.85% | 12.61% | -11 bps | |
| Net Worth / Assets | 11.93% | 12.09% | 12.12% | 12.72% | 12.69% | 12.89% | 12.85% | 12.61% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.86% | 64.63% | 62.93% | 66.56% | 67.35% | 65.42% | 66.48% | 63.52% | -304 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Little Rock, AR · Charter 23170 · 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
-0.46%
Rank 16 of 19
Net Interest Margin
3.61%
Rank 13 of 19
Efficiency Ratio
101.21%
Rank 15 of 19
Equity / Assets
12.61%
Rank 12 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.46% | -0.02% | 0.44% | 1.25% | Beats 16% | 16 / 19 | ||
| Return on Equity | -3.67% | -0.07% | 3.96% | 5.78% | Beats 11% | 17 / 19 | ||
| Net Interest Margin | 3.61% | 3.37% | 4.04% | 4.48% | Beats 32% | 13 / 19 | ||
| Efficiency Ratio | 101.21% | 69.76% | 87.77% | 101.21% | Beats 26% | 15 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.34% | 0.12% | 0.82% | 2.31% | Beats 21% | 16 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.61% | 11.21% | 13.34% | 22.44% | Beats 37% | 12 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.61% | 11.21% | 13.34% | 22.44% | Beats 37% | 12 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.52% | 56.40% | 66.97% | 83.97% | 37th pctl | 12 / 19 | ||
| Loans / Assets | 55.21% | 43.58% | 56.37% | 69.23% | 37th pctl | 12 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||