AKME Star a Housing Finance Co available at PBV of 1 and Marketcap of 18 Cr

Gross NPA is 2.09% and Net NPA is 1.59%.
Worse than any Housing Finance Company in this list:
Canfin Homes thread
Is this to be expected of small companies?
or they’ve not made new loans in many years and accumulated these NPAs over many years?

The P/E is 28.5, P/B is 1.23, RoE is 4.33% and RoA 5.33%. Not even leveraged 1x!!