LIttle Rock, AR · Charter 24433
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 | 1.55% | 1.55% | 1.65% | 0.91% | 1.16% | 1.28% | 1.23% | 1.36% | +44 bps | |
| Return on Equity | 16.61% | 16.20% | 16.61% | 10.32% | 12.38% | 13.05% | 12.24% | 12.03% | +171 bps | |
| Net Interest Margin | 6.22% | 6.27% | 6.35% | 5.45% | 5.80% | 5.99% | 5.42% | 6.06% | +61 bps | |
| Efficiency Ratio | 75.93% | 76.11% | 74.89% | 78.89% | 75.98% | 79.56% | 77.75% | 78.20% | -68 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.18% | 3.36% | 4.43% | 15.60% | 14.54% | 12.08% | 12.43% | -8.98% | -2,458 bps | |
| Loan Growth (YoY) | 2.00% | 0.13% | -2.30% | 12.20% | 10.82% | 12.20% | 1.43% | -1.03% | -1,322 bps | |
| Share Growth (YoY) | -1.63% | 1.96% | 3.13% | 15.68% | 14.52% | 11.91% | 12.31% | -11.52% | -2,720 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.09% | 2.62% | 3.32% | 4.92% | 4.65% | 6.25% | 6.59% | 11.22% | +630 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 | 1.46% | 1.55% | 1.52% | 1.63% | 1.66% | 1.82% | 2.00% | 1.86% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.32% | 9.55% | 9.92% | 8.86% | 9.37% | 9.80% | 10.03% | 11.30% | +244 bps | |
| Net Worth / Assets | 9.32% | 9.55% | 9.92% | 8.86% | 9.37% | 9.80% | 10.03% | 11.30% | +244 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.82% | 74.76% | 76.00% | 71.80% | 76.28% | 74.96% | 68.64% | 80.31% | +851 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |