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.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,360 of 4,374 health · 2025Q4Alcoa Community · health 83/100 · $68.8M · 2025Q4
Call Report peers
Alcoa Community in the assets neighbourhood
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
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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
- Assets moved -0.2% from $68.8M (2025Q4) to $68.7M (2026Q1).
- Net-worth ratio shifted +0.07 pp (7.75% → 7.82%).
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.
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."
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.