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 | |