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Arkansas Employees

Little Rock, AR · Charter 23956

NCUA · 2 branches

Q4 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Arkansas Employees

Little Rock, AR · Charter 23956

NCUA · 2 branches

Q4 2017

$33.6MAssets
$20.0MLoans
$30.9MShares
$2.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.05%, down 3 bps year over year; NIM at 2.39%.
  • Asset quality: problem loans at 0.30% of loans (+5 bps YoY).
  • Capital: net worth / assets of 7.20%, down 31 bps from a year ago.
  • Funding: loans stand at 64.68% of shares as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

-1.05%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.39%+5 bps YoY

Efficiency Ratio (YTD, annualized)

115.37%+19 bps YoY

Net Worth / Assets

7.20%-31 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets-1.01%-0.86%-0.93%-1.30%-1.05%-3 bps
Return on Equity-13.49%-11.72%-12.42%-18.55%-14.52%-102 bps
Net Interest Margin2.34%2.19%2.32%2.31%2.39%+5 bps
Efficiency Ratio115.18%127.76%124.22%119.28%115.37%+19 bps
Growth
Asset Growth (YoY)-2.67%-5.21%-9.02%-7.60%-8.92%-625 bps
Loan Growth (YoY)19.78%20.57%10.08%-4.10%-15.46%-3,524 bps
Share Growth (YoY)-2.65%-4.58%-8.84%-7.05%-8.05%-541 bps
Asset Quality
Delinquent Loans / Loans0.25%0.67%0.65%0.61%0.30%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.79%0.65%0.72%1.10%1.08%+30 bps
Capital
Risk-Based Capital7.51%7.33%7.46%7.03%7.20%-31 bps
Net Worth / Assets7.51%7.33%7.46%7.03%7.20%-31 bps
Liquidity & Funding
Loans / Shares70.34%69.91%70.03%65.82%64.68%-567 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps