UARK
Charter #16946 · Fayetteville, AR · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.61% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.21% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 79th percentile but its structural peers at the 54th — a 24-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | UARK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $81.27M | 71th pct | 62th pct |
| Members | 7,026 | 80th pct | 62th pct |
| Net worth ratio | 13.03% | 52th pct | 51th pct |
| Return on average assets | 1.18% | 74th pct | 62th pct |
| Net interest margin | 4.05% | 69th pct | 49th pct |
| Cost of funds | 0.61% | 28th pct | 23th pct |
| Loan-to-share | 76.36% | 79th pct | 54th pct |
| Delinquency 60+ days | 0.21% | 21th pct | 20th pct |
| Net charge-off ratio | 0.15% | 39th pct | 43th pct |
| Loan growth YoY | 1.48% | 74th pct | 70th pct |
| Share growth YoY | -2.84% | 5th pct | 7th pct |
| Efficiency ratio | 75.46% | 38th pct | 44th pct |
structural peer set hash: 40508e4629d54d5012bbc7b82c453077… (reproducible)
Closest structural peers
This is the free public view
Claim UARK
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.