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 | |