North Little Ro, AR · Charter 24434
NCUA · 3 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
32
Asset Quality
5
Profitability
5
Liquidity
38
Efficiency
11
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.
North Little Ro, AR · Charter 24434
NCUA · 3 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 | 1.50% | 1.23% | 0.86% | 0.79% | -0.73% | 0.03% | -3.19% | -22.01% | -2,280 bps | |
| Return on Equity | 9.54% | 7.87% | 5.47% | 5.07% | -4.40% | 0.14% | -16.92% | -183.46% | -18,853 bps | |
| Net Interest Margin | 5.02% | 4.78% | 4.70% | 4.56% | 4.50% | 5.19% | 3.53% | 3.38% | -117 bps | |
| Efficiency Ratio | 75.95% | 78.89% | 79.91% | 80.99% | 113.91% | 98.10% | 149.11% | 163.39% | +8,240 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.54% | -0.42% | -2.42% | -1.25% | -8.11% | -21.72% | -21.28% | -33.11% | -3,186 bps | |
| Loan Growth (YoY) | -15.38% | -10.92% | 5.80% | -5.67% | -1.17% | -10.15% | -26.28% | -31.89% | -2,622 bps | |
| Share Growth (YoY) | -9.11% | -1.89% | -4.33% | -2.40% | -9.66% | -26.48% | -24.57% | -30.51% | -2,811 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.46% | 0.08% | 0.48% | 0.00% | 1.00% | 1.35% | 21.98% | +2,150 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 | 0.31% | 0.31% | 0.39% | 0.47% | 0.51% | 0.56% | 0.95% | 21.93% | +2,146 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.70% | 15.64% | 15.66% | 15.54% | 16.65% | 20.01% | 18.86% | 12.00% | -355 bps | |
| Net Worth / Assets | 15.70% | 15.64% | 15.66% | 15.54% | 16.65% | 20.01% | 18.86% | 12.00% | -355 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.04% | 50.33% | 54.80% | 52.77% | 55.84% | 61.51% | 53.55% | 51.72% | -105 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 3.25% | 3.37% | 4.04% | 4.48% | Beats 16% | 16 / 19 | ||
| Efficiency Ratio | 177.78% | 69.76% | 87.77% | 101.21% | Beats 11% | 18 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 22.09% | 0.12% | 0.82% | 2.31% | Beats 5% | 19 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.93% | 11.21% | 13.34% | 22.44% | Beats 32% | 13 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.93% | 11.21% | 13.34% | 22.44% | Beats 32% | 13 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.77% | 56.40% | 66.97% | 83.97% | 16th pctl | 16 / 19 | ||
| Loans / Assets | 45.03% | 43.58% | 56.37% | 69.23% | 26th pctl | 14 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||