PackageTrendsPeer
Letter portraitLegal landscape

Arkansas Democrat - Gazette

Little Rock, AR · Charter 24441

NCUA · 1 branch

Q4 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2019, the quarter ended December 31, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Arkansas Democrat - Gazette

Little Rock, AR · Charter 24441

NCUA · 1 branch

Q4 2019

$2.7MAssets
$924KLoans
$1.6MShares
$1.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.36%, down 147 bps year over year; NIM at 4.38%.
  • Asset quality: problem loans at 12.71% of loans (+588 bps YoY).
  • Capital: net worth / assets of 39.37%, up 681 bps from a year ago.
  • Funding: loans stand at 57.30% of shares as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

-2.36%-147 bps YoY

Net Interest Margin (YTD, annualized)

4.38%+9 bps YoY

Efficiency Ratio (YTD, annualized)

112.09%+2,384 bps YoY

Net Worth / Assets

39.37%+681 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets-0.89%-2.93%-3.01%-2.46%-2.36%-147 bps
Return on Equity-2.72%-8.26%-8.15%-6.47%-6.00%-327 bps
Net Interest Margin4.29%4.05%4.33%4.29%4.38%+9 bps
Efficiency Ratio88.25%98.52%105.44%103.56%112.09%+2,384 bps
Growth
Asset Growth (YoY)-16.64%-22.49%-23.86%-24.67%-21.98%-534 bps
Loan Growth (YoY)-31.00%-34.74%-36.54%-32.19%-36.73%-573 bps
Share Growth (YoY)-22.25%-30.07%-32.42%-33.34%-29.90%-765 bps
Asset Quality
Delinquent Loans / Loans6.83%6.16%8.79%8.75%12.71%+588 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.56%5.87%6.43%7.64%10.93%+637 bps
Capital
Risk-Based Capital32.56%35.51%37.01%38.10%39.37%+681 bps
Net Worth / Assets32.56%35.51%37.01%38.10%39.37%+681 bps
Liquidity & Funding
Loans / Shares63.48%65.87%62.76%60.94%57.30%-619 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps