Little Rock, AR · Charter 24440
NCUA · 2 branches
Q3 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.34% | 0.19% | 0.34% | 0.03% | 0.55% | 0.07% | 0.10% | -24 bps | |
| Return on Equity | 0.48% | 2.01% | 1.13% | 1.97% | 0.19% | 2.99% | 0.35% | 0.55% | -142 bps | |
| Net Interest Margin | 3.13% | 2.67% | 2.60% | 2.64% | 2.57% | 2.68% | 2.90% | 2.92% | +28 bps | |
| Efficiency Ratio | 97.87% | 90.04% | 94.30% | 90.76% | 99.04% | 84.53% | 98.16% | 97.08% | +632 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.48% | 6.24% | 3.34% | 2.00% | 5.14% | -6.04% | -8.38% | -7.08% | -908 bps | |
| Loan Growth (YoY) | -17.12% | -14.17% | -13.29% | -16.95% | -8.38% | -0.75% | 12.46% | 23.59% | +4,054 bps | |
| Share Growth (YoY) | -3.11% | 7.30% | 3.80% | 2.19% | 6.17% | -7.37% | -10.07% | -8.36% | -1,054 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.67% | 0.00% | 0 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 | 0.39% | 0.10% | 0.10% | 0.04% | 0.04% | 0.04% | 0.04% | 0.03% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.36% | 17.18% | 17.11% | 17.13% | 16.54% | 18.36% | 18.63% | 18.27% | +114 bps | |
| Net Worth / Assets | 17.36% | 17.18% | 17.11% | 17.13% | 16.54% | 18.36% | 18.63% | 18.27% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.47% | 73.70% | 71.69% | 68.79% | 68.57% | 78.97% | 89.64% | 92.77% | +2,398 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |