Little Rock, AR · Charter 24429
NCUA · 1 branch
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
21
Asset Quality
53
Profitability
44
Liquidity
57
Efficiency
37
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 24429
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | 0.16% | -3.61% | -1.82% | -1.11% | -0.87% | 0.20% | 0.45% | +227 bps | |
| Return on Equity | -1.46% | 1.41% | -34.26% | -17.04% | -10.30% | -7.81% | 1.84% | 3.98% | +2,103 bps | |
| Net Interest Margin | 3.96% | 3.96% | 3.83% | 3.91% | 3.98% | 4.11% | 3.43% | 3.70% | -21 bps | |
| Efficiency Ratio | 88.94% | 85.96% | 180.22% | 140.33% | 123.01% | 116.37% | 108.40% | 94.98% | -4,534 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.42% | 1.97% | 0.55% | -1.79% | -2.77% | -5.80% | -1.99% | -1.61% | +18 bps | |
| Loan Growth (YoY) | -13.78% | -20.46% | -19.56% | -20.44% | -19.81% | -17.05% | -14.63% | -17.26% | +317 bps | |
| Share Growth (YoY) | -1.07% | 3.26% | 2.61% | -0.79% | -2.96% | -5.89% | -2.39% | -2.23% | -144 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 1.26% | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0.83% | +83 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 | 0.53% | 0.53% | 0.57% | 0.57% | 0.56% | 0.55% | 0.28% | 0.36% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.97% | 11.27% | 10.55% | 10.69% | 10.80% | 11.10% | 10.94% | 11.20% | +52 bps | |
| Net Worth / Assets | 10.97% | 11.27% | 10.55% | 10.69% | 10.80% | 11.10% | 10.94% | 11.20% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.46% | 71.43% | 67.60% | 66.65% | 63.19% | 62.96% | 59.12% | 56.40% | -1,025 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Little Rock, AR · Charter 24429 · Peer group: credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (n=19)
NCUA · 1 branch
Q2 2026
Return on Assets
0.44%
Rank 10 of 19
Net Interest Margin
3.72%
Rank 12 of 19
Efficiency Ratio
94.85%
Rank 13 of 19
Equity / Assets
11.21%
Rank 15 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.44% | -0.02% | 0.44% | 1.25% | Beats 47% | 10 / 19 | ||
| Return on Equity | 3.96% | -0.07% | 3.96% | 5.78% | Beats 47% | 10 / 19 | ||
| Net Interest Margin | 3.72% | 3.37% | 4.04% | 4.48% | Beats 37% | 12 / 19 | ||
| Efficiency Ratio | 94.85% | 69.76% | 87.77% | 101.21% | Beats 37% | 13 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.82% | 0.12% | 0.82% | 2.31% | Beats 53% | 10 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.21% | 11.21% | 13.34% | 22.44% | Beats 21% | 15 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.21% | 11.21% | 13.34% | 22.44% | Beats 21% | 15 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.40% | 56.40% | 66.97% | 83.97% | 21st pctl | 15 / 19 | ||
| Loans / Assets | 49.92% | 43.58% | 56.37% | 69.23% | 32nd pctl | 13 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||