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 | |