U.P. Employees North Little Ro, AR · Charter 24435 · Peer group: credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (n=19)
NCUA · 2 branches
Q2 2026
$2.6M Assets
$1.7M Loans
$2.5M Shares
$253K Net Worth
Executive Summary Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (rank 1 of 19). Widest gap: efficiency ratio trails 95% 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 1 of 7 directional measures. Return on Assets
-8.30%
Rank 18 of 19
Net Interest Margin
6.10%
Rank 1 of 19
Efficiency Ratio
191.21%
Rank 19 of 19
Equity / Assets
9.64%
Rank 17 of 19
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets -8.30% -0.02% 0.44% 1.25% Beats 5% 18 / 19 Return on Equity -86.17% -0.07% 3.96% 5.78% Beats 5% 18 / 19 Net Interest Margin 6.10% 3.37% 4.04% 4.48% Beats 95% 1 / 19 Efficiency Ratio 191.21% 69.76% 87.77% 101.21% Beats 5% 19 / 19 Asset Quality Nonperforming Loans / Loans 2.31% 0.12% 0.82% 2.31% Beats 26% 15 / 19 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 9.64% 11.21% 13.34% 22.44% Beats 11% 17 / 19 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 9.64% 11.21% 13.34% 22.44% Beats 11% 17 / 19 Liquidity & Funding Loans / Deposits 69.11% 56.40% 66.97% 83.97% 53rd pctl 9 / 19 Loans / Assets 66.06% 43.58% 56.37% 69.23% 63rd pctl 7 / 19 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11