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 | |