Little Rock, AR · Charter 3090
NCUA · 1 branch
Q1 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2024, the quarter ended March 31, 2024, 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 3090
NCUA · 1 branch
Q1 2024
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 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | -0.82% | -0.23% | -3.26% | -2.22% | -2.29% | -1.99% | -3.11% | +15 bps | |
| Return on Equity | 0.63% | -5.12% | -1.42% | -17.47% | -11.93% | -13.14% | -10.99% | -18.58% | -111 bps | |
| Net Interest Margin | 5.01% | 5.07% | 5.13% | 5.85% | 5.95% | 5.24% | 5.60% | 5.05% | -80 bps | |
| Efficiency Ratio | 98.41% | 106.35% | 106.92% | 137.48% | 127.60% | 143.38% | 134.71% | 157.76% | +2,028 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.69% | -2.44% | -1.86% | -28.09% | -21.00% | -17.30% | -20.14% | 0.26% | +2,836 bps | |
| Loan Growth (YoY) | 3.00% | -4.85% | 1.43% | -4.64% | -18.31% | -15.65% | -12.48% | -15.66% | -1,102 bps | |
| Share Growth (YoY) | -3.06% | -4.09% | -3.36% | -32.34% | -24.34% | -16.26% | -19.59% | 6.53% | +3,887 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.09% | 0.06% | 0.00% | 0.00% | 0.07% | 1.47% | 0.03% | 0.33% | +33 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 | 0.42% | 0.04% | 0.31% | 0.74% | 0.79% | 0.35% | 0.45% | 0.61% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.84% | 16.05% | 16.06% | 18.66% | 18.60% | 17.39% | 18.12% | 16.72% | -194 bps | |
| Net Worth / Assets | 15.84% | 16.05% | 16.06% | 18.66% | 18.60% | 17.39% | 18.12% | 16.72% | -194 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.68% | 72.56% | 72.19% | 86.89% | 82.80% | 73.10% | 78.57% | 68.79% | -1,810 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |