Little Rock, AR · Charter 24390
NCUA · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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 Little Rock-North Little Rock-Conway, AR area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
5
Asset Quality
63
Profitability
46
Liquidity
19
Efficiency
47
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 24390
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.42% | 0.33% | 0.21% | 0.24% | +7 bps | |
| Return on Equity | 2.00% | 4.81% | 3.69% | 2.33% | 2.73% | +73 bps | |
| Net Interest Margin | 4.28% | 4.40% | 4.46% | 4.47% | 4.34% | +6 bps | |
| Efficiency Ratio | 80.71% | 80.48% | 84.91% | 86.17% | 87.81% | +710 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.05% | -1.05% | -0.11% | -2.04% | -0.57% | +147 bps | |
| Loan Growth (YoY) | -1.77% | -2.41% | -2.07% | -0.14% | 0.27% | +204 bps | |
| Share Growth (YoY) | -2.83% | -2.43% | -1.32% | -2.62% | -1.00% | +183 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 0.54% | 0.69% | 0.79% | 0.48% | -6 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.45% | 8.82% | 8.89% | 8.91% | 8.85% | +40 bps | |
| Net Worth / Assets | 8.45% | 8.82% | 8.89% | 8.91% | 8.85% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.33% | 85.29% | 85.26% | 85.82% | 84.40% | +107 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Little Rock, AR · Charter 24390 · Peer group: credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (n=19)
NCUA · 4 branches
Q2 2026
Return on Assets
0.24%
Rank 13 of 19
Net Interest Margin
4.34%
Rank 7 of 19
Efficiency Ratio
87.81%
Rank 11 of 19
Equity / Assets
8.85%
Rank 18 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | -0.02% | 0.44% | 1.25% | Beats 32% | 13 / 19 | |
| Return on Equity | 2.71% | -0.07% | 3.96% | 5.78% | Beats 42% | 11 / 19 | |
| Net Interest Margin | 4.34% | 3.37% | 4.04% | 4.48% | Beats 63% | 7 / 19 | |
| Efficiency Ratio | 87.81% | 69.76% | 87.77% | 101.21% | Beats 47% | 11 / 19 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.48% | 0.12% | 0.82% | 2.31% | Beats 63% | 8 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.85% | 11.21% | 13.34% | 22.44% | Beats 5% | 18 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.85% | 11.21% | 13.34% | 22.44% | Beats 5% | 18 / 19 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.40% | 56.40% | 66.97% | 83.97% | 79th pctl | 4 / 19 | |
| Loans / Assets | 76.64% | 43.58% | 56.37% | 69.23% | 89th pctl | 2 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||