Little Rock, AR · Charter 23327
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
89
Asset Quality
100
Profitability
49
Liquidity
0
Efficiency
21
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 23327
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 | 0.37% | 0.30% | 0.21% | 0.27% | 0.33% | -4 bps | |
| Return on Equity | 1.39% | 1.07% | 0.74% | 1.01% | 1.25% | -14 bps | |
| Net Interest Margin | 5.60% | 5.96% | 6.16% | 5.81% | 5.76% | +16 bps | |
| Efficiency Ratio | 96.12% | 98.88% | 102.03% | 101.32% | 104.89% | +877 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.53% | -2.73% | -2.76% | -2.00% | 2.47% | +300 bps | |
| Loan Growth (YoY) | 1.55% | 5.40% | 6.86% | 6.73% | 3.25% | +169 bps | |
| Share Growth (YoY) | -1.00% | -4.02% | -4.18% | -3.03% | 3.10% | +409 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.57% | 0.05% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.15% | 0.14% | 0.04% | 0.05% | 0.08% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.57% | 27.96% | 28.57% | 26.76% | 26.10% | -47 bps | |
| Net Worth / Assets | 26.57% | 27.96% | 28.57% | 26.76% | 26.10% | -47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.75% | 102.52% | 110.82% | 101.11% | 93.88% | +13 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Little Rock, AR · Charter 23327 · 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
0.32%
Rank 12 of 19
Net Interest Margin
5.73%
Rank 3 of 19
Efficiency Ratio
105.71%
Rank 16 of 19
Equity / Assets
26.10%
Rank 2 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | -0.02% | 0.44% | 1.25% | Beats 37% | 12 / 19 | |
| Return on Equity | 1.21% | -0.07% | 3.96% | 5.78% | Beats 26% | 14 / 19 | |
| Net Interest Margin | 5.73% | 3.37% | 4.04% | 4.48% | Beats 84% | 3 / 19 | |
| Efficiency Ratio | 105.71% | 69.76% | 87.77% | 101.21% | Beats 21% | 16 / 19 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.12% | 0.82% | 2.31% | Beats 100% | 2 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 26.10% | 11.21% | 13.34% | 22.44% | Beats 89% | 2 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 26.10% | 11.21% | 13.34% | 22.44% | Beats 89% | 2 / 19 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.87% | 56.40% | 66.97% | 83.97% | 95th pctl | 1 / 19 | |
| Loans / Assets | 69.23% | 43.58% | 56.37% | 69.23% | 74th pctl | 5 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||