Little Rock, AR · Charter 23952
NCUA · 2 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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 Dallas-Fort Worth-Arlington, TX area (n=63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
17
Profitability
26
Liquidity
78
Efficiency
2
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 23952
NCUA · 2 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.99% | -1.47% | -1.37% | -1.76% | -2.09% | -2.74% | -4.60% | -8.69% | -693 bps | |
| Return on Equity | -28.56% | -14.64% | -14.01% | -18.50% | -22.37% | -30.99% | -61.83% | -244% | -22,553 bps | |
| Net Interest Margin | 3.52% | 3.64% | 3.78% | 4.02% | 4.33% | 4.25% | 4.55% | 4.84% | +82 bps | |
| Efficiency Ratio | 122.44% | 120.03% | 115.11% | 113.91% | 112.29% | 118.96% | 120.45% | 177.97% | +6,406 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.69% | -10.91% | -10.46% | -7.15% | -8.48% | -10.59% | -12.44% | -11.99% | -484 bps | |
| Loan Growth (YoY) | -5.16% | -7.80% | -8.56% | -7.74% | -6.46% | -8.08% | -5.52% | -10.61% | -287 bps | |
| Share Growth (YoY) | -10.67% | -10.35% | -9.11% | -5.14% | -6.57% | -9.69% | -9.69% | -6.23% | -109 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.06% | 2.50% | 2.56% | 3.16% | 3.83% | 4.06% | 3.71% | 1.99% | -118 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 | 10.45% | 10.07% | 9.75% | 9.54% | 9.33% | 8.85% | 7.44% | 3.56% | -597 bps | |
| Net Worth / Assets | 10.45% | 10.07% | 9.75% | 9.54% | 9.33% | 8.85% | 7.44% | 3.56% | -597 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.41% | 73.05% | 70.81% | 73.90% | 75.49% | 74.35% | 74.08% | 70.45% | -345 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 23952 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=63)
NCUA · 2 branches
Q3 2025
Return on Assets
-8.70%
Rank 63 of 63
Net Interest Margin
4.84%
Rank 13 of 63
Efficiency Ratio
178.03%
Rank 63 of 63
Equity / Assets
3.56%
Rank 63 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -8.70% | 0.12% | 0.69% | 1.18% | Beats 0% | 63 / 63 | ||
| Return on Equity | -244% | 0.82% | 4.01% | 8.54% | Beats 0% | 63 / 63 | ||
| Net Interest Margin | 4.84% | 3.43% | 4.05% | 4.60% | Beats 79% | 13 / 63 | ||
| Efficiency Ratio | 178.03% | 68.93% | 81.35% | 88.28% | Beats 2% | 63 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.99% | 0.26% | 0.98% | 1.59% | Beats 17% | 53 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 3.56% | 10.51% | 13.88% | 19.51% | Beats 0% | 63 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 3.56% | 10.51% | 13.88% | 19.51% | Beats 0% | 63 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.45% | 54.80% | 64.30% | 79.71% | 60th pctl | 25 / 63 | ||
| Loans / Assets | 66.58% | 44.14% | 52.95% | 68.86% | 73rd pctl | 17 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||