FORT ROOTS
Charter #24430 · NORTH LITTLE RO, AR · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.07% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.42% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.30% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 36th — a 41-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 | FORT ROOTS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.71M | 77th pct | 36th pct |
| Members | 872 | 75th pct | 44th pct |
| Net worth ratio | 13.39% | 29th pct | 56th pct |
| Return on average assets | 0.07% | 36th pct | 23th pct |
| Net interest margin | 4.42% | 62th pct | 79th pct |
| Cost of funds | 0.30% | 39th pct | 21th pct |
| Loan-to-share | 44.35% | 34th pct | 39th pct |
| Delinquency 60+ days | 0.66% | 45th pct | 41th pct |
| Net charge-off ratio | 0.22% | 77th pct | 74th pct |
| Loan growth YoY | -4.60% | 53th pct | 49th pct |
| Share growth YoY | 6.08% | 84th pct | 70th pct |
| Efficiency ratio | 93.07% | 61th pct | 72th pct |
structural peer set hash: 9f7428958da407a4b7f2e03f226fa66a… (reproducible)
Closest structural peers
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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.