Arkansas Teachers

LIttle Rock, AR · 1 · Charter #24433 · www.artfcu.org/
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.6M
15th percentile
Members
615
21th percentile
Total loans
$1.8M
21th percentile
Total shares
$2.4M
17th percentile

Profitability

Return on assets
1.28%
71th percentile
Net interest margin
5.99%
95th percentile
Efficiency ratio
77.37%
29th percentile
Non-interest income ratio
4.09%
29th percentile

Capital & Risk

Net worth ratio
9.80%
14th percentile
Delinquency rate
6.25%
5th percentile
Net charge-off rate
-0.13%
96th percentile
Loan-to-share
74.96%
70th percentile

Growth

Member growth YoY
0.99%
77th percentile
Asset growth YoY
12.08%
95th percentile
Loan growth YoY
12.20%
92th percentile
Share growth YoY
11.91%
93th percentile

Operations

Members / branch
615
28th percentile
Assets / member
$4,299
13th percentile
Field of membership penetration
41.00%
55th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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