Little Rock, AR · Charter 24431
NCUA · 2 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
84
Asset Quality
100
Profitability
25
Liquidity
1
Efficiency
16
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 24431
NCUA · 2 branches
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 | 0.22% | -0.38% | 0.90% | 0.66% | 0.26% | 0.45% | -1.03% | -0.49% | -115 bps | |
| Return on Equity | 0.80% | -1.50% | 3.53% | 2.55% | 1.01% | 1.79% | -4.35% | -2.06% | -461 bps | |
| Net Interest Margin | 5.10% | 4.75% | 4.57% | 4.55% | 4.54% | 4.49% | 3.96% | 4.03% | -52 bps | |
| Efficiency Ratio | 89.65% | 91.43% | 90.64% | 86.64% | 90.29% | 91.95% | 106.47% | 107.26% | +2,062 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.41% | 0.63% | 5.91% | 4.77% | 8.10% | 3.47% | 7.22% | 6.60% | +183 bps | |
| Loan Growth (YoY) | 5.08% | 9.21% | 1.67% | 8.07% | 5.35% | 10.56% | 7.10% | -1.15% | -922 bps | |
| Share Growth (YoY) | -11.73% | 1.52% | 9.53% | 6.15% | 10.92% | 3.52% | 8.97% | 9.34% | +319 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.11% | 0.04% | 0.23% | 0.20% | 0.18% | 0.00% | 0.00% | -23 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 | 0.28% | 0.82% | 0.62% | 0.49% | 0.42% | 0.51% | 0.59% | 0.42% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.00% | 25.60% | 25.46% | 25.71% | 26.00% | 25.19% | 23.71% | 23.89% | -183 bps | |
| Net Worth / Assets | 28.00% | 25.60% | 25.46% | 25.71% | 26.00% | 25.19% | 23.71% | 23.89% | -183 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.94% | 92.82% | 88.24% | 97.77% | 96.82% | 99.13% | 86.73% | 88.39% | -938 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 24431 · Peer group: credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (n=19)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.48%
Rank 17 of 19
Net Interest Margin
4.04%
Rank 10 of 19
Efficiency Ratio
106.56%
Rank 17 of 19
Equity / Assets
23.90%
Rank 3 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.48% | -0.02% | 0.44% | 1.25% | Beats 11% | 17 / 19 | ||
| Return on Equity | -2.03% | -0.07% | 3.96% | 5.78% | Beats 16% | 16 / 19 | ||
| Net Interest Margin | 4.04% | 3.37% | 4.04% | 4.48% | Beats 47% | 10 / 19 | ||
| Efficiency Ratio | 106.56% | 69.76% | 87.77% | 101.21% | Beats 16% | 17 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.12% | 0.82% | 2.31% | Beats 100% | 2 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.90% | 11.21% | 13.34% | 22.44% | Beats 84% | 3 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.90% | 11.21% | 13.34% | 22.44% | Beats 84% | 3 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.39% | 56.40% | 66.97% | 83.97% | 84th pctl | 3 / 19 | ||
| Loans / Assets | 66.66% | 43.58% | 56.37% | 69.23% | 68th pctl | 6 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||