Federal credit union · Little Rock, Arkansas · NCUA charter #10920
ARKANSAS
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $2.96B
- Total assets
- 172,336
- Members
- 9.4%
- Net-worth ratio
ARKANSAS scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.96B; members 172,336; net-worth ratio 9.43%; health rank #1,514 of 4,374; healthier than 65th of scored peers.
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NCUA 5300 Call Report Masthead
#1,514 of 4,374 health · 2025Q4ARKANSAS · health 88/100 · $2.96B · 2025Q4
Call Report peers
ARKANSAS in the assets neighbourhood
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ARKANSAS vs every NCUA-scored credit union
ARKANSAS sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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
Where ARKANSAS diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +24.59 pp (108.49% vs 83.90%).
- Widest shortfall vs peers is Net Worth Ratio: -1.75 pp (9.43% vs 11.18%).
Where ARKANSAS sits in Arkansas
- Health composite ranks #16 of 48 among scored Arkansas credit unions.
- By total assets, ARKANSAS is #1 of 48 in Arkansas.
- Member book place in Arkansas: #1 of 48.
- One place up in Arkansas, PRIORITY (#15) ties at 88/100; one place down, TELCOE (#17) scores 87/100, 1 point lower.
ARKANSAS: 2025Q4 → 2026Q1
ARKANSAS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $2.96B (2025Q4) to $3.05B (2026Q1).
- Net-worth ratio shifted +0.02 pp (9.41% → 9.43%).
9.43% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
ARKANSAS gives up 12 points in total. Loan-to-Share Ratio costs the most, 7.7 of its 15; Return on Assets and Member Growth score full marks.
- Net Worth Ratio 28.6 pts
- Delinquency Rate 21.8 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 7.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.43% | -1.75 pp |
| Delinquency Rate | 0.82% | -0.06 pp |
| Return on Assets | 0.73% | +0.23 pp |
| Member Growth | 7.03% | - |
| Loan-to-Share Ratio | 108.49% | +24.59 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.05B | - |
| 2025Q4 | $2.96B | 172,336 |
| 2024Q4 | $2.71B | 161,017 |
| 2023Q4 | $2.42B | 150,803 |
Credit Union Details
- Charter Number
- 10920
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Arkansas
- City
- Little Rock
- Data Quarter
- 2025Q4
Branch Locations (25)
Per its most recent NCUA branch filing, ARKANSAS runs 25 offices in 18 different cities.
| Office | City |
|---|---|
| WLR HQ (Main Office) | Little Rock, AR |
| Benton Branch | Benton, AR |
| Bryant Branch | Bryant, AR |
| Cabot Branch | Cabot, AR |
| Clarksville | Clarksville, AR |
| Conway Branch | Conway, AR |
| West Conway Branch | Conway, AR |
| Fort Smith Branch | Fort Smith, AR |
| Greenbrier | Greenbrier, AR |
| Hot Springs Branch | Hot Springs, AR |
| Jacksonville Branch | Jacksonville, AR |
| Jonesboro Branch | Jonesboro, AR |
| Little Rock Branch | Little Rock, AR |
| West Little Rock Branch | Little Rock, AR |
| Midtown Branch | Little Rock, AR |
| SWLR | Little Rock, AR |
| Little Rock Air Force Base Branch | LRAFB, AR |
| North Little Rock Branch | North Little Rock, AR |
| Maumelle | North Little Rock, AR |
| Rogers Branch | Rogers, AR |
| Pinnacle Hills Branch | Rogers, AR |
| Russellville | Russellville, AR |
| Searcy Branch | Searcy, AR |
| Sherwood - Branch | Sherwood, AR |
| Van Buren Branch | Van Buren, AR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arkansas
A look at other Arkansas credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- ARKANSAS ranks #1,514 of 4,374 nationally on financial health and #16 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TELCOE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TELCOE
Frequently Asked Questions
Is ARKANSAS financially healthy?
ARKANSAS has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,514 of 4,374 nationally on health and #16 of 48 in Arkansas. Its net worth ratio is 9.43% and its delinquency rate 0.82%.
How does ARKANSAS compare to other credit unions?
ARKANSAS scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (108.49% vs 83.90%). Its widest shortfall is net worth ratio (9.43% vs 11.18%).
How can I join ARKANSAS?
ARKANSAS 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 ARKANSAS directly for the exact boundaries and application steps.
Is my money safe at ARKANSAS?
ARKANSAS 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. ARKANSAS's net worth ratio of 9.43% 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.