L R F D

LITTLE ROCK, AR · 1 · Charter #6725 · www.lrfdfcu.virtualcu.net
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
$16.7M
57th percentile
Members
898
33th percentile
Total loans
$11.0M
69th percentile
Total shares
$13.3M
55th percentile

Profitability

Return on assets
1.40%
76th percentile
Net interest margin
3.14%
23th percentile
Efficiency ratio
28.22%
97th percentile
Non-interest income ratio
0.29%
8th percentile

Capital & Risk

Net worth ratio
19.14%
71th percentile
Delinquency rate
7.07%
4th percentile
Net charge-off rate
-0.01%
92th percentile
Loan-to-share
82.45%
80th percentile

Growth

Member growth YoY
1.58%
81th percentile
Asset growth YoY
2.21%
57th percentile
Loan growth YoY
4.34%
77th percentile
Share growth YoY
2.73%
62th percentile

Operations

Members / branch
299
13th percentile
Assets / member
$18,545
94th percentile
Field of membership penetration
99.78%
99th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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