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Rheem Arkansas

Fort Smith, AR · Charter 24293

NCUA · 1 branch

Q4 2022

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 2022, the quarter ended December 31, 2022, 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 2026-10-11

Rheem Arkansas

Fort Smith, AR · Charter 24293

NCUA · 1 branch

Q4 2022

$4.1MAssets
$2.9MLoans
$3.6MShares
$516KNet Worth

Executive Summary

  • Earnings: ROA of -0.83%, up 5 bps year over year; NIM at 4.35%.
  • Asset quality: problem loans at 2.93% of loans (+254 bps YoY).
  • Capital: net worth / assets of 12.58%, up 84 bps from a year ago.
  • Funding: loans stand at 82.16% of shares as of Q4 2022.

Return on Assets (YTD, annualized)

-0.83%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.35%+129 bps YoY

Efficiency Ratio (YTD, annualized)

115.24%+77 bps YoY

Net Worth / Assets

12.58%+84 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets-1.14%-0.12%-0.24%-0.88%-0.35%-1.23%-1.17%-0.83%+5 bps
Return on Equity-9.69%-1.05%-2.04%-7.52%-3.04%-11.11%-10.36%-6.58%+93 bps
Net Interest Margin2.94%2.97%2.97%3.06%2.68%3.07%3.20%4.35%+129 bps
Efficiency Ratio120.57%99.69%105.44%114.47%109.36%130.38%127.48%115.24%+77 bps
Growth
Asset Growth (YoY)9.71%4.58%6.70%3.14%-2.80%-4.80%-8.38%-11.18%-1,431 bps
Loan Growth (YoY)1.67%4.15%0.50%-2.88%0.99%-2.07%-0.07%-2.73%+15 bps
Share Growth (YoY)11.47%5.31%8.24%4.78%-2.38%-3.78%-8.09%-12.09%-1,687 bps
Asset Quality
Delinquent Loans / Loans1.03%0.44%0.32%0.39%0.23%0.48%0.73%2.93%+254 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.51%0.37%0.38%0.43%0.37%0.37%0.27%0.29%-14 bps
Capital
Risk-Based Capital11.81%11.93%11.69%11.74%11.41%11.05%11.32%12.58%+84 bps
Net Worth / Assets11.81%11.93%11.69%11.74%11.41%11.05%11.32%12.58%+84 bps
Liquidity & Funding
Loans / Shares69.32%72.08%72.18%74.26%71.72%73.36%78.48%82.16%+791 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps