Little Rock, AR · Charter 24441
NCUA · 1 branch
Q4 2019
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Little Rock, AR · Charter 24441
NCUA · 1 branch
Q4 2019
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.64% | -2.03% | -1.03% | -0.89% | -2.93% | -3.01% | -2.46% | -2.36% | -147 bps | |
| Return on Equity | -5.76% | -6.96% | -3.41% | -2.72% | -8.26% | -8.15% | -6.47% | -6.00% | -327 bps | |
| Net Interest Margin | 3.83% | 4.02% | 3.98% | 4.29% | 4.05% | 4.33% | 4.29% | 4.38% | +9 bps | |
| Efficiency Ratio | 96.77% | 86.30% | 88.16% | 88.25% | 98.52% | 105.44% | 103.56% | 112.09% | +2,384 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.85% | -12.16% | -12.92% | -16.64% | -22.49% | -23.86% | -24.67% | -21.98% | -534 bps | |
| Loan Growth (YoY) | -22.40% | -22.95% | -29.09% | -31.00% | -34.74% | -36.54% | -32.19% | -36.73% | -573 bps | |
| Share Growth (YoY) | -9.85% | -12.87% | -16.55% | -22.25% | -30.07% | -32.42% | -33.34% | -29.90% | -765 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.49% | 6.91% | 8.14% | 6.83% | 6.16% | 8.79% | 8.75% | 12.71% | +588 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 | 4.94% | 6.11% | 4.32% | 4.56% | 5.87% | 6.43% | 7.64% | 10.93% | +637 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.44% | 29.11% | 30.14% | 32.56% | 35.51% | 37.01% | 38.10% | 39.37% | +681 bps | |
| Net Worth / Assets | 28.44% | 29.11% | 30.14% | 32.56% | 35.51% | 37.01% | 38.10% | 39.37% | +681 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.59% | 66.84% | 59.90% | 63.48% | 65.87% | 62.76% | 60.94% | 57.30% | -619 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |