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 | |