ARKANSAS KRAFT EMPLOYEES
Charter #17849 · Morrilton, AR · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 523 sits at the 11th percentile of structural peers — worth a closer look.
- Net worth ratio of 28.33% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.53% sits at the 20th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 18th — a 37-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 | ARKANSAS KRAFT EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.46M | 55th pct | 18th pct |
| Members | 523 | 45th pct | 11th pct |
| Net worth ratio | 28.33% | 82th pct | 75th pct |
| Return on average assets | 0.46% | 52th pct | 39th pct |
| Net interest margin | 3.53% | 34th pct | 20th pct |
| Cost of funds | 1.60% | 80th pct | 64th pct |
| Loan-to-share | 80.89% | 79th pct | 62th pct |
| Delinquency 60+ days | 0.79% | 50th pct | 49th pct |
| Net charge-off ratio | 0.00% | 22th pct | 16th pct |
| Loan growth YoY | -8.27% | 35th pct | 18th pct |
| Share growth YoY | -1.49% | 37th pct | 30th pct |
| Efficiency ratio | 87.02% | 52th pct | 67th pct |
structural peer set hash: 5679238975e02cfb086afcb1e7b91d58… (reproducible)
Closest structural peers
This is the free public view
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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.