Little Rock, AR · Charter 24439
NCUA · 1 branch
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
95
Asset Quality
42
Profitability
60
Liquidity
79
Efficiency
100
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.
Little Rock, AR · Charter 24439
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.16% | 2.22% | 1.12% | 1.76% | 1.71% | -45 bps | |
| Return on Equity | 7.38% | 7.46% | 3.75% | 6.07% | 5.82% | -156 bps | |
| Net Interest Margin | 3.55% | 3.64% | 2.50% | 3.17% | 3.17% | -38 bps | |
| Efficiency Ratio | 34.18% | 34.72% | 51.07% | 50.09% | 47.12% | +1,294 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.92% | -1.00% | -1.80% | -0.53% | 2.35% | +426 bps | |
| Loan Growth (YoY) | -12.39% | 21.04% | 21.31% | 10.82% | 10.30% | +2,268 bps | |
| Share Growth (YoY) | -3.74% | -2.48% | -3.56% | -2.15% | 2.04% | +578 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.32% | 1.38% | 1.55% | 0.00% | 1.39% | -93 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.21% | 29.82% | 29.87% | 28.99% | 29.40% | +19 bps | |
| Net Worth / Assets | 29.21% | 29.82% | 29.87% | 28.99% | 29.40% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.13% | 80.69% | 78.13% | 66.71% | 61.75% | +462 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Little Rock, AR · Charter 24439 · Peer group: credit unions under $1B in assets in the Little Rock-North Little Rock-Conway, AR area (n=19)
NCUA · 1 branch
Q2 2026
Return on Assets
1.70%
Rank 1 of 19
Net Interest Margin
3.18%
Rank 17 of 19
Efficiency Ratio
46.61%
Rank 1 of 19
Equity / Assets
29.40%
Rank 1 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.70% | -0.02% | 0.44% | 1.25% | Beats 95% | 1 / 19 | |
| Return on Equity | 5.78% | -0.07% | 3.96% | 5.78% | Beats 74% | 5 / 19 | |
| Net Interest Margin | 3.18% | 3.37% | 4.04% | 4.48% | Beats 11% | 17 / 19 | |
| Efficiency Ratio | 46.61% | 69.76% | 87.77% | 101.21% | Beats 100% | 1 / 19 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.39% | 0.12% | 0.82% | 2.31% | Beats 42% | 12 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 29.40% | 11.21% | 13.34% | 22.44% | Beats 95% | 1 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 29.40% | 11.21% | 13.34% | 22.44% | Beats 95% | 1 / 19 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.75% | 56.40% | 66.97% | 83.97% | 32nd pctl | 13 / 19 | |
| Loans / Assets | 43.50% | 43.58% | 56.37% | 69.23% | 16th pctl | 16 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||