State credit union · Arkansas City, Kansas · NCUA charter #62894
Ark Valley
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $55.8M
- Total assets
- 8,856
- Members
- 12.7%
- Net-worth ratio
Ark Valley - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62894, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Ark Valley - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)94
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.71%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.71% | 30% |
| Delinquency Rate | 0.65% | 25% |
| Return on Assets | 1.24% | 15% |
| Member Growth | -10.61% | 15% |
| Loan-to-Share Ratio | 72.09% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $55.8M | 8,856 |
| 2024Q4 | $55.0M | 9,907 |
| 2023Q4 | $55.6M | 9,881 |
Credit Union Details
- Charter Number
- 62894
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Kansas
- City
- Arkansas City
- Data Quarter
- 2025Q4
What This Data Says About Ark Valley
The five-factor composite scores Ark Valley at 83/100 (Excellent), reflecting a net worth ratio of 12.71% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Arkansas City, Kansas, reports 8,856 members, $55.8M in total assets, and $33.8M in outstanding loans as of Q4 2025 under charter #62894 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
Deposits deployed into lending sit at a 72.09% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.65% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Return on assets stands at 1.24% on net income of $694K 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 -10.61%. 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 Kansas
A look at other Kansas 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 Ark Valley financially healthy?
Ark Valley has a financial health score of 83/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.71% and delinquency rate of 0.65%.
How does Ark Valley compare to other credit unions?
Ark Valley scores 83/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Ark Valley?
Membership eligibility for Ark Valley depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Ark Valley directly for current membership requirements and application steps.
Is my money safe at Ark Valley?
Federal credit unions like Ark Valley 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. Ark Valley's net worth ratio of 12.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ark Valley offer compared to banks?
Credit unions like Ark Valley 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 Ark Valley 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.