Federal credit union · BENTON, Arkansas · NCUA charter #11913

Alcoa Community

Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

83
Health / 100
$68.8M
Total assets
6,035
Members
7.8%
Net-worth ratio

Alcoa Community scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $68.8M; members 6,035; net-worth ratio 7.82%; health rank #2,360 of 4,374; healthier than 46th of scored peers.

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#2,360 of 4,374 health · 2025Q4

Alcoa Community · health 83/100 · $68.8M · 2025Q4

Alcoa Community in the assets neighbourhood

Meridian Mutual$69.3MEver $ Green$69.2MFIREFIGHTERS$69.0MAlcoa Community (this)$68.8MPARISHIONERS$68.7MMiddle Tennessee$68.6M
Nearest other-state credit unions by total assets (NCUA 5300)

Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.

Alcoa Community vs every NCUA-scored credit union

The busiest band is 85-89 (858 credit unions); Alcoa Community sits in 80-84 with 767 others.

83 46th percentile higher than 46% of 4,374 credit unions

every scored credit union, bucketed by value

Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source NCUA 5300 Call Report aggregates · 2025Q4

Peer-gap read for Alcoa Community

  • Loan-to-Share Ratio leads the peer set - 84.84% here, 62.60% peer average (+22.24 pp).
  • Widest shortfall vs peers is Net Worth Ratio: -5.80 pp (7.82% vs 13.62%).

Where Alcoa Community sits in Arkansas

  • Health composite ranks #23 of 48 among scored Arkansas credit unions.
  • Assets rank #13 of 48 inside Arkansas ($68.8M reported).
  • Member book place in Arkansas: #13 of 48.
  • One place up in Arkansas, UP (#22) scores 84/100, 1 point higher; one place down, Fort Roots (#24) scores 82/100, 1 point lower.

Alcoa Community: 2025Q4 → 2026Q1

Alcoa Community: total assets by quarter

2023Q4 to 2026Q1, NCUA 5300

64,000,00066,000,00068,000,00070,000,000 2023Q42024Q42025Q42026Q1 65,003,303 68,692,342 ▲ +5.7%
  • Assets moved -0.2% from $68.8M (2025Q4) to $68.7M (2026Q1).
  • Net-worth ratio shifted +0.07 pp (7.75% → 7.82%).
Net worth ratio vs. NCUA well-capitalized threshold 52.1%

7.82% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

How the 83/100 score is built

Alcoa Community gives up 17 points in total. Return on Assets costs the most, 9.1 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.

  • Net Worth Ratio 24.6 pts
  • Delinquency Rate 25.0 pts
  • Return on Assets 5.9 pts
  • Member Growth 12.1 pts
  • Loan-to-Share Ratio 15.4 pts

Call Report ratios for Alcoa Community

Metric Value vs peer
Net Worth Ratio 7.82% -5.80 pp
Delinquency Rate 0.45% -0.51 pp
Return on Assets 0.03% -0.63 pp
Member Growth 2.55% -
Loan-to-Share Ratio 84.84% +22.24 pp

Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.

Alcoa Community quarterly book

Quarter Assets Members
2026Q1 $68.7M -
2025Q4 $68.8M 6,035
2024Q4 $67.1M 5,885
2023Q4 $65.0M 5,939

Credit Union Details

Charter Number
11913
Type
Federal
Field of Membership
Community
Peer Group
$50M–$100M
State
Arkansas
City
BENTON
Data Quarter
2025Q4

Branch Locations (2)

Alcoa Community operates 2 offices across 2 cities, per its most recent NCUA branch filing.

Office City
BENTON (Main Office) Benton, AR
Sheridan Office Sheridan, AR

Source: NCUA Credit Union Branch Information, 2025Q4 filing.

Nearby Credit Unions in Arkansas

More federally-insured credit unions based in Arkansas, ordered by peer group match and asset size.

Compare Alcoa Community vs HURRICANE CREEK

Nationwide credit unions with similar profiles

Using this data

  • Alcoa Community ranks #2,360 of 4,374 nationally on financial health and #23 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • Hurricane Creek is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hurricane Creek

Frequently Asked Questions

Is Alcoa Community financially healthy?

Alcoa Community has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,360 of 4,374 nationally on health and #23 of 48 in Arkansas. Its net worth ratio is 7.82% and its delinquency rate 0.45%.

How does Alcoa Community compare to other credit unions?

Alcoa Community scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (84.84% vs 62.60%). Its widest shortfall is net worth ratio (7.82% vs 13.62%).

How can I join Alcoa Community?

Alcoa Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Alcoa Community directly for the exact boundaries and application steps.

Is my money safe at Alcoa Community?

Alcoa Community is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Alcoa Community's net worth ratio of 7.82% exceeds the 7% threshold NCUA considers "well capitalized."

Data sourced from the NCUA 5300 Call Report (2025Q4) for Alcoa Community. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.