Little Rock, AR · Charter 24940
NCUA
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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 (n=1,674 to 1,677). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
0
Profitability
0
Liquidity
0
Efficiency
0
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 24940
NCUA
Q1 2026
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 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | -1.89% | -2.26% | -21.02% | -13.75% | -14.51% | -35.00% | -199.39% | -17,836 bps | |
| Return on Equity | 0.22% | -23.11% | -29.14% | -235% | -194.58% | -708% | n/a | n/a | n/a | |
| Net Interest Margin | 1.89% | 1.21% | 1.26% | 19.78% | 9.73% | 9.86% | 2.71% | -0.34% | -2,012 bps | |
| Efficiency Ratio | 84.92% | 198.81% | 215% | 187.56% | 190.97% | 167.65% | 302% | 1870% | +168,240 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -26.34% | 15.22% | 10.57% | -40.10% | -21.88% | -34.74% | -45.00% | -44.72% | -463 bps | |
| Loan Growth (YoY) | 206% | 123.42% | 76.78% | 140.66% | 165.28% | 96.41% | 82.01% | -2.61% | -14,327 bps | |
| Share Growth (YoY) | -28.68% | 19.56% | 14.68% | -39.00% | -17.56% | -33.54% | -28.54% | 3.67% | +4,268 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.45% | 10.85% | 9.24% | 5.70% | 1.80% | 13.35% | 15.96% | 20.61% | +1,491 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 | 3.03% | 2.07% | 1.23% | 1.36% | 1.22% | 1.43% | 9.85% | 14.44% | +1,308 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.90% | 8.19% | 7.75% | 8.95% | 7.06% | 2.05% | -20.90% | -91.10% | -10,005 bps | |
| Net Worth / Assets | 11.90% | 8.19% | 7.75% | 8.95% | 7.06% | 2.05% | -20.90% | -91.10% | -10,005 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 11.79% | 12.74% | 13.08% | 35.43% | 37.94% | 37.65% | 33.33% | 33.29% | -215 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Little Rock, AR · Charter 24940 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA
Q1 2026
Return on Assets
-199.45%
Rank 1,676 of 1,677
Net Interest Margin
-0.28%
Rank 1,674 of 1,676
Efficiency Ratio
1881%
Rank 1,673 of 1,674
Equity / Assets
-91.13%
Rank 1,675 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -199.45% | 0.29% | 0.71% | 1.15% | Beats 0% | 1,676 / 1,677 | ||
| Return on Equity | n/a | Not reported for this institution | ||||||
| Net Interest Margin | -0.28% | 3.27% | 3.78% | 4.29% | Beats 0% | 1,674 / 1,676 | ||
| Efficiency Ratio | 1881% | 69.04% | 78.86% | 87.73% | Beats 0% | 1,673 / 1,674 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 20.61% | 0.23% | 0.59% | 1.15% | Beats 0% | 1,672 / 1,675 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | -91.10% | 10.32% | 12.68% | 16.26% | Beats 0% | 1,676 / 1,677 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | -91.13% | 10.32% | 12.68% | 16.26% | Beats 0% | 1,675 / 1,676 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 33.31% | 52.64% | 68.65% | 82.42% | 7th pctl | 1,564 / 1,676 | ||
| Loans / Assets | 56.40% | 44.39% | 58.63% | 70.08% | 45th pctl | 916 / 1,676 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||