Arkansas Federal Credit Union
Total assets
$3.05B
▲ +9.6% YoY
Shares & deposits
$2.41B
▲ +8.4% YoY
Loans
$2.68B
▲ +14.4% YoY
Members
176,734
▲ +7.4% YoY
ROA (annualized)
1.23%
peers 0.71%
ROE (annualized)
13.01%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +5.1% | +4.5 pts |
| Share growth (YoY) | +8.4% | +4.9% | +3.6 pts |
| Loan growth (YoY) | +14.4% | +5.4% | +8.9 pts |
| ROA | 1.23% | 0.71% | +0.5 pts |
| ROE | 13.0% | 6.3% | +6.7 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
Profile
- Established
- 1956
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P.O. Box 24410, Little Rock, AR, 72221
- NCUA charter #
- 10920
- RSSD ID
- 778680
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.05B | $2.41B | $2.68B | $288.1M | $9.4M | 1.23% | 3.49% | 0.73% | 176,734 |
| Q4 2025 | $2.96B | $2.38B | $2.58B | $278.7M | $34.3M | 1.16% | 3.24% | 0.82% | 172,336 |
| Q3 2025 | $2.84B | $2.34B | $2.46B | $268.9M | $23.9M | 1.13% | 3.32% | 0.73% | 171,603 |
| Q2 2025 | $2.77B | $2.28B | $2.38B | $259.3M | $14.4M | 1.04% | 3.33% | 0.73% | 167,804 |
| Q1 2025 | $2.79B | $2.22B | $2.34B | $251.3M | $6.4M | 0.91% | 3.24% | 0.94% | 164,570 |
| Q4 2024 | $2.71B | $2.12B | $2.29B | $244.9M | $21.7M | 0.80% | 2.89% | 1.00% | 161,017 |
| Q3 2024 | $2.59B | $2.03B | $2.25B | $239.3M | $14.8M | 0.76% | 2.94% | 0.59% | 161,865 |
| Q2 2024 | $2.49B | $1.97B | $2.17B | $232.2M | $7.7M | 0.62% | 2.96% | 0.59% | 157,862 |
Loan mix (Q1 2026): real estate $915.6M · commercial $334.2M · consumer $1.38B · securities $57.1M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.71% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 6.3% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.32% | 61th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.7% | 73.0% | 12th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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