Little Rock, AR · Charter 23361
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
53
Asset Quality
84
Profitability
82
Liquidity
98
Efficiency
74
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 23361
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 | 2.34% | 2.07% | 2.26% | 2.33% | 2.10% | 1.86% | 2.12% | 1.43% | -90 bps | |
| Return on Equity | 16.65% | 13.67% | 16.35% | 16.01% | 13.84% | 11.61% | 14.24% | 9.46% | -656 bps | |
| Net Interest Margin | 5.37% | 5.67% | 4.84% | 4.94% | 5.08% | 5.32% | 4.74% | 4.76% | -18 bps | |
| Efficiency Ratio | 65.13% | 71.04% | 61.14% | 61.58% | 64.14% | 69.52% | 64.47% | 72.42% | +1,083 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.16% | -0.02% | 5.66% | 5.80% | 4.97% | 6.86% | 4.01% | 4.96% | -84 bps | |
| Loan Growth (YoY) | -2.02% | -4.12% | -7.87% | 2.39% | 10.27% | 8.28% | 4.88% | -1.58% | -398 bps | |
| Share Growth (YoY) | -6.73% | -2.38% | 3.84% | 4.16% | 3.54% | 5.57% | 2.72% | 4.36% | +20 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.06% | 0.10% | 0.54% | 0.17% | 0.05% | 0.04% | 0.08% | -46 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.07% | 15.13% | 13.84% | 14.57% | 15.16% | 16.01% | 14.87% | 15.16% | +59 bps | |
| Net Worth / Assets | 14.07% | 15.13% | 13.84% | 14.57% | 15.16% | 16.01% | 14.87% | 15.16% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.88% | 73.93% | 62.19% | 70.55% | 76.56% | 75.84% | 63.49% | 66.53% | -402 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 23361 · 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
1.44%
Rank 3 of 19
Net Interest Margin
4.77%
Rank 4 of 19
Efficiency Ratio
72.32%
Rank 6 of 19
Equity / Assets
15.16%
Rank 9 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.44% | -0.02% | 0.44% | 1.25% | Beats 84% | 3 / 19 | ||
| Return on Equity | 9.49% | -0.07% | 3.96% | 5.78% | Beats 84% | 3 / 19 | ||
| Net Interest Margin | 4.77% | 3.37% | 4.04% | 4.48% | Beats 79% | 4 / 19 | ||
| Efficiency Ratio | 72.32% | 69.76% | 87.77% | 101.21% | Beats 74% | 6 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.08% | 0.12% | 0.82% | 2.31% | Beats 84% | 4 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.16% | 11.21% | 13.34% | 22.44% | Beats 53% | 9 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.16% | 11.21% | 13.34% | 22.44% | Beats 53% | 9 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.53% | 56.40% | 66.97% | 83.97% | 42nd pctl | 11 / 19 | ||
| Loans / Assets | 56.37% | 43.58% | 56.37% | 69.23% | 47th pctl | 10 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||