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
- BOOK 83/100
- CHARTER 7.8%
- NCUSIF 0.45%
- CAMELS 0.03%
- HEALTH $68.8M
- NW 6,035
- DELQ #2,360/4,374
- ROA PARISHIONERS
- ASSETS 11913
Call Report peers
Alcoa Community in the assets neighbourhood
Alcoa Community's $68.8M assets sit next to PARISHIONERS ($68.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Alcoa Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #11913. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for AR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Alcoa Community: 2025Q4 → 2026Q1
Alcoa Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $68.8M (2025Q4) to $68.7M (2026Q1).
- Net-worth ratio shifted +0.07 pp (7.75% → 7.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for Alcoa Community, both outside Arkansas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($68.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Arkansas credit unions compare overall before assuming this one is typical. Arkansas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Alcoa Community financially healthy?
Yes/no aside, the number is 83/100 (Excellent) - Alcoa Community's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,360 of 4,374; by total assets it ranks #2,152 of 4,374 nationally (same basis as /rankings/largest); and #13 of 48 within Arkansas. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.82% net worth ratio and 0.45% delinquency rate are the key drivers.
How does Alcoa Community compare to other credit unions?
83/100 is Alcoa Community's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Alcoa Community are 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."
What rates does Alcoa Community offer compared to banks?
Credit unions like Alcoa Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Alcoa Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.