L R F D Federal Credit Union
Total assets
$16.8M
▲ +2.0% YoY
Shares & deposits
$13.5M
▲ +1.3% YoY
Loans
$11.1M
▲ +4.4% YoY
Members
907
▲ +2.4% YoY
ROA (annualized)
0.56%
peers 0.60%
ROE (annualized)
2.92%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +1.3% | +0.7% | +0.6 pts |
| Loan growth (YoY) | +4.4% | -2.4% | +6.7 pts |
| ROA | 0.56% | 0.60% | -0.0 pts |
| ROE | 2.9% | 4.1% | -1.2 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
Profile
- Established
- 1950
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 210 S Gaines St, Little Rock, AR, 72201
- NCUA charter #
- 6725
- RSSD ID
- 681584
- 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 | $16.8M | $13.5M | $11.1M | $3.2M | $23K | 0.56% | 4.01% | 5.44% | 907 |
| Q4 2025 | $16.7M | $13.3M | $11.0M | $3.2M | $146K | 0.88% | 3.14% | 7.07% | 898 |
| Q3 2025 | $17.1M | $13.8M | $10.7M | $3.2M | $148K | 1.15% | 3.42% | 5.23% | 893 |
| Q2 2025 | $16.1M | $12.9M | $10.6M | $3.1M | $56K | 0.70% | 3.58% | 5.36% | 889 |
| Q1 2025 | $16.5M | $13.3M | $10.7M | $3.0M | $-5K | -0.12% | 3.42% | 3.31% | 886 |
| Q4 2024 | $16.3M | $13.0M | $10.5M | $3.0M | $44K | 0.27% | 2.85% | 2.52% | 884 |
| Q3 2024 | $15.8M | $12.6M | $10.8M | $3.1M | $82K | 0.69% | 3.05% | 2.88% | 883 |
| Q2 2024 | $15.4M | $12.1M | $10.9M | $3.0M | $19K | 0.25% | 3.03% | 1.41% | 881 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $8.0M · securities $3.5M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.60% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.83% | 58th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 81.5% | 9th | |
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.
Similar credit unions
- Timberline Federal Credit UnionCrossett, AR · $80.7M
- Clearway Federal Credit UnionMalvern, AR · $81.0M
- Uark Federal Credit UnionFayetteville, AR · $81.3M
- Arkansas Superior Federal Credit UnionWarren, AR · $94.7M
- Fairfield Federal Credit UnionPine Bluff, AR · $99.0M
- Metro Federal Credit UnionArlington Heigh, IL · $78.7M
Selling to L R F D Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.