Pine Bluff, AR · Charter 24423
NCUA · 1 branch
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 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 (n=1,675 to 1,678). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
99
Asset Quality
20
Profitability
34
Liquidity
0
Efficiency
1
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.
Pine Bluff, AR · Charter 24423
NCUA · 1 branch
Q1 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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.13% | -0.70% | -1.63% | -1.64% | -2.61% | -3.36% | -5.10% | -348 bps | |
| Return on Equity | 0.06% | 0.38% | -1.96% | -3.83% | -3.87% | -5.40% | -7.10% | -10.95% | -712 bps | |
| Net Interest Margin | 7.04% | 6.83% | 6.62% | 8.03% | 7.33% | 7.79% | 7.36% | 5.80% | -223 bps | |
| Efficiency Ratio | 99.74% | 98.25% | 109.43% | 118.49% | 120.12% | 130.13% | 140.22% | 182.02% | +6,353 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.98% | 0.65% | 0.68% | -18.55% | -20.10% | -31.68% | -29.46% | -16.40% | +216 bps | |
| Loan Growth (YoY) | -6.47% | -10.79% | -8.05% | -21.98% | -29.41% | -25.17% | -29.96% | -29.83% | -785 bps | |
| Share Growth (YoY) | -3.94% | 1.70% | 2.34% | -27.35% | -29.09% | -45.98% | -42.75% | -24.00% | +335 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.94% | 0.00% | 0.00% | 0.00% | 0.13% | 0.00% | 1.30% | 1.48% | +148 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 | 0.41% | 0.62% | 0.82% | 1.13% | 1.38% | 1.59% | 2.03% | 2.58% | +145 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 35.18% | 35.07% | 35.72% | 42.44% | 42.35% | 48.24% | 47.28% | 46.57% | +414 bps | |
| Net Worth / Assets | 35.18% | 35.07% | 35.72% | 42.44% | 42.35% | 48.24% | 47.28% | 46.57% | +414 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 131.64% | 120.03% | 121.04% | 141.54% | 131.04% | 166.26% | 148.09% | 130.67% | -1,087 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pine Bluff, AR · Charter 24423 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 1 branch
Q1 2025
Return on Assets
-5.16%
Rank 1,661 of 1,678
Net Interest Margin
6.45%
Rank 29 of 1,677
Efficiency Ratio
180.00%
Rank 1,658 of 1,675
Equity / Assets
46.77%
Rank 9 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -5.16% | 0.24% | 0.67% | 1.21% | Beats 1% | 1,661 / 1,678 | ||
| Return on Equity | -11.03% | 1.96% | 5.37% | 8.99% | Beats 4% | 1,610 / 1,675 | ||
| Net Interest Margin | 6.45% | 3.12% | 3.67% | 4.25% | Beats 98% | 29 / 1,677 | ||
| Efficiency Ratio | 180.00% | 68.92% | 78.89% | 88.44% | Beats 1% | 1,658 / 1,675 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.42% | 0.21% | 0.58% | 1.19% | Beats 20% | 1,338 / 1,676 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 46.57% | 10.02% | 12.33% | 15.89% | Beats 99% | 11 / 1,678 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 46.77% | 10.02% | 12.33% | 15.89% | Beats 99% | 9 / 1,677 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 130.67% | 54.28% | 70.33% | 83.29% | 100th pctl | 4 / 1,677 | ||
| Loans / Assets | 68.06% | 46.21% | 59.98% | 70.96% | 68th pctl | 539 / 1,677 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||