Little Rock, AR · Charter 3090
NCUA · 1 branch
Q1 2024
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.26% | -2.22% | -2.29% | -1.99% | -3.11% | +15 bps | |
| Return on Equity | -17.47% | -11.93% | -13.14% | -10.99% | -18.58% | -111 bps | |
| Net Interest Margin | 5.85% | 5.95% | 5.24% | 5.60% | 5.05% | -80 bps | |
| Efficiency Ratio | 137.48% | 127.60% | 143.38% | 134.71% | 157.76% | +2,028 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -28.09% | -21.00% | -17.30% | -20.14% | 0.26% | +2,836 bps | |
| Loan Growth (YoY) | -4.64% | -18.31% | -15.65% | -12.48% | -15.66% | -1,102 bps | |
| Share Growth (YoY) | -32.34% | -24.34% | -16.26% | -19.59% | 6.53% | +3,887 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.74% | 0.79% | 0.35% | 0.45% | 0.61% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.66% | 18.60% | 17.39% | 18.12% | 16.72% | -194 bps | |
| Net Worth / Assets | 18.66% | 18.60% | 17.39% | 18.12% | 16.72% | -194 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |