State credit union · Archer, Nebraska · NCUA charter #66270
Archer Cooperative
Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $105.4M
- Total assets
- 4,885
- Members
- 9.9%
- Net-worth ratio
Archer Cooperative - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #66270 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Archer Cooperative - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)99
- Asset quality (delinquency)79
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)73
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.90% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.90% | 30% |
| Delinquency Rate | 1.04% | 25% |
| Return on Assets | 0.50% | 15% |
| Member Growth | -8.09% | 15% |
| Loan-to-Share Ratio | 98.86% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $105.4M | 4,885 |
| 2024Q4 | $95.6M | 5,315 |
| 2023Q4 | $90.8M | 4,983 |
Credit Union Details
- Charter Number
- 66270
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Nebraska
- City
- Archer
- Data Quarter
- 2025Q4
What This Data Says About Archer Cooperative
The five-factor composite scores Archer Cooperative at 75/100 (Very Good), reflecting a net worth ratio of 9.90% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Archer, Nebraska, reports 4,885 members, $105.4M in total assets, and $86.7M in outstanding loans as of Q4 2025 under charter #66270 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
1.04% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Deposit deployment is captured by the 98.86% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.50% on net income of $529K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -8.09%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Nebraska
A look at other Nebraska credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Archer Cooperative financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Archer Cooperative carries a financial health score of 75/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.90% net worth ratio and a 1.04% delinquency rate.
How does Archer Cooperative compare to other credit unions?
75/100 is Archer Cooperative's score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Archer Cooperative?
Membership eligibility for Archer Cooperative depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Archer Cooperative directly for current membership requirements and application steps.
Is my money safe at Archer Cooperative?
Federal credit unions like Archer Cooperative 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. Archer Cooperative's net worth ratio of 9.90% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Archer Cooperative offer compared to banks?
Credit unions like Archer Cooperative 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 Archer Cooperative directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.