ARKANSAS EDUCATION ASSOCIATION
Charter #23170 · LITTLE ROCK, AR · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,917 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.57% sits at the 23rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.89% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 59th — a 28-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 EDUCATION ASSOCIATION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.12M | 87th pct | 59th pct |
| Members | 1,917 | 96th pct | 80th pct |
| Net worth ratio | 12.85% | 26th pct | 46th pct |
| Return on average assets | -0.57% | 21th pct | 23th pct |
| Net interest margin | 3.81% | 42th pct | 28th pct |
| Cost of funds | 1.12% | 69th pct | 59th pct |
| Loan-to-share | 66.48% | 59th pct | 43th pct |
| Delinquency 60+ days | 1.89% | 66th pct | 77th pct |
| Net charge-off ratio | 0.39% | 80th pct | 70th pct |
| Loan growth YoY | -1.83% | 66th pct | 61th pct |
| Share growth YoY | -0.54% | 45th pct | 33th pct |
| Efficiency ratio | 95.39% | 65th pct | 72th pct |
structural peer set hash: 030e1ed422f0c5592b7c73ed48739c4c… (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.