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North Little Rock Educators

North Little Ro, AR · Charter 24434

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area3

Basis

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.

Peer group

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.

Peer standing

Capital

32

Q2 2024Q2 2026peer median (50)

Asset Quality

5

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

38

Q2 2024Q2 2026peer median

Efficiency

11

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

North Little Rock Educators

North Little Ro, AR · Charter 24434

NCUA · 3 branches

Q2 2026

$553KAssets
$249KLoans
$481KShares
$66KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -22.01%, down 2,280 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 21.98% of loans (+2,150 bps YoY).
  • Capital: net worth / assets of 12.00%, down 355 bps from a year ago.
  • Funding: loans stand at 51.72% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-22.01%-2,280 bps YoY

Net Interest Margin (YTD, annualized)

3.38%-117 bps YoY

Efficiency Ratio (YTD, annualized)

163.39%+8,240 bps YoY

Net Worth / Assets

12.00%-355 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%-0.73%0.03%-3.19%-22.01%-2,280 bps
Return on Equity5.07%-4.40%0.14%-16.92%-183.46%-18,853 bps
Net Interest Margin4.56%4.50%5.19%3.53%3.38%-117 bps
Efficiency Ratio80.99%113.91%98.10%149.11%163.39%+8,240 bps
Growth
Asset Growth (YoY)-1.25%-8.11%-21.72%-21.28%-33.11%-3,186 bps
Loan Growth (YoY)-5.67%-1.17%-10.15%-26.28%-31.89%-2,622 bps
Share Growth (YoY)-2.40%-9.66%-26.48%-24.57%-30.51%-2,811 bps
Asset Quality
Delinquent Loans / Loans0.48%0.00%1.00%1.35%21.98%+2,150 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.47%0.51%0.56%0.95%21.93%+2,146 bps
Capital
Risk-Based Capital15.54%16.65%20.01%18.86%12.00%-355 bps
Net Worth / Assets15.54%16.65%20.01%18.86%12.00%-355 bps
Liquidity & Funding
Loans / Shares52.77%55.84%61.51%53.55%51.72%-105 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

North Little Rock Educators

North Little Ro, AR · Charter 24434 · Peer group: credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (n=19)

NCUA · 3 branches

Q2 2026

$553KAssets
$249KLoans
$481KShares
$66KNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 32% of credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (rank 13 of 19).
  • Widest gap: return on equity trails 100% of credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (rank 19 of 19).
  • Overall: at or above the peer median on 0 of 7 directional measures.

Return on Assets

-22.06%

Rank 19 of 19

Net Interest Margin

3.25%

Rank 16 of 19

Efficiency Ratio

177.78%

Rank 18 of 19

Equity / Assets

11.93%

Rank 13 of 19

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-22.06%-0.02%0.44%1.25%Beats 0%19 / 19
Return on Equity-184.85%-0.07%3.96%5.78%Beats 0%19 / 19
Net Interest Margin3.25%3.37%4.04%4.48%Beats 16%16 / 19
Efficiency Ratio177.78%69.76%87.77%101.21%Beats 11%18 / 19
Asset Quality
Nonperforming Loans / Loans22.09%0.12%0.82%2.31%Beats 5%19 / 19
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.93%11.21%13.34%22.44%Beats 32%13 / 19
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.93%11.21%13.34%22.44%Beats 32%13 / 19
Liquidity & Funding
Loans / Deposits51.77%56.40%66.97%83.97%16th pctl16 / 19
Loans / Assets45.03%43.58%56.37%69.23%26th pctl14 / 19
Brokered Deposits / Depositsn/aNot reported for this institution