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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,514 of 4,374 health · 2025Q4ARKANSAS · health 88/100 · $2.96B · 2025Q4
- ROA 88/100
- ASSETS 9.4%
- MEM 0.82%
- RANK 0.73%
- PHOTO $2.96B
- BOOK 172,336
- CHARTER #1,514/4,374
- NCUSIF AMERICU
- CAMELS 10920
Call Report peers
ARKANSAS in the assets neighbourhood
ARKANSAS's $2.96B assets sit next to AMERICU ($2.96B) 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.
ARKANSAS 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
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
ARKANSAS - Share Insurance Coverage
Charter #10920's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for AR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ARKANSAS: 2025Q4 → 2026Q1
ARKANSAS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $2.96B (2025Q4) to $3.05B (2026Q1).
- Net-worth ratio shifted +0.02 pp (9.41% → 9.43%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for ARKANSAS, 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 ($2.96B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- 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 ARKANSAS financially healthy?
A 9.43% net worth ratio and a 0.82% delinquency rate feed into ARKANSAS's financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,514 of 4,374; by total assets it ranks #170 of 4,374 nationally (same basis as /rankings/largest); and #1 of 48 within Arkansas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does ARKANSAS compare to other credit unions?
PlainCU's health composite puts ARKANSAS at 88/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like ARKANSAS 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. ARKANSAS's net worth ratio of 9.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ARKANSAS offer compared to banks?
Credit unions like ARKANSAS 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 ARKANSAS 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.