Federal credit union · Pine Bluff, Arkansas · NCUA charter #7700
Arkansas Am & N College
Health score 69/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $2.0M
- Total assets
- 542
- Members
- 4.1%
- Net-worth ratio
Arkansas Am & N College - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #7700. See our deposit-insurance coverage note.
Arkansas Am & N College - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)34
- Asset quality (delinquency)90
- Earnings (ROA)100
- Member growth63
- Liquidity (loan-to-share)79
Weighted composite: 69/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 4.14%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 4.14% | 30% |
| Delinquency Rate | 0.76% | 25% |
| Return on Assets | 0.95% | 15% |
| Member Growth | 0.37% | 15% |
| Loan-to-Share Ratio | 55.79% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.0M | 542 |
| 2024Q4 | $1.8M | 540 |
| 2023Q4 | $2.1M | 525 |
Credit Union Details
- Charter Number
- 7700
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- Arkansas
- City
- Pine Bluff
- Data Quarter
- 2025Q4
What This Data Says About Arkansas Am & N College
542 members and $2.0M in total assets sit behind Arkansas Am & N College, a federal credit union in Pine Bluff, Arkansas, which posts a health score of 69/100 (Good) on the five-factor composite, with $1.0M in outstanding loans as of Q4 2025 and a net worth ratio of 4.14% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #7700 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
On loan book quality: 0.76% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Meanwhile a 55.79% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.95% on net income of $19K 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 0.37%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Single Common Bond) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Arkansas
More federally-insured credit unions based in Arkansas, ordered by peer group match and asset size.
- U.P. EMPLOYEESNORTH LITTLE RO, AR · $2M–$10M60Health
- ARKANSAS TEACHERSLIttle Rock, AR · $2M–$10M70Health
- PEOPLE TRUST COMMUNITYNorth Little Ro, AR · $2M–$10M24Health
- ARKANSAS KRAFT EMPLOYEESMorrilton, AR · $2M–$10M88Health
- COOPERATIVE EXTENSION SERVICELITTLE ROCK, AR · $2M–$10M72Health
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 Arkansas Am & N College financially healthy?
A 4.14% net worth ratio and a 0.76% delinquency rate feed into Arkansas Am & N College's financial health score of 69/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Arkansas Am & N College compare to other credit unions?
On PlainCU's health composite, Arkansas Am & N College lands at 69/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Arkansas Am & N College?
Arkansas Am & N College is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Arkansas Am & N College directly to confirm eligibility.
Is my money safe at Arkansas Am & N College?
Federal credit unions like Arkansas Am & N College 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 Am & N College's net worth ratio of 4.14% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Arkansas Am & N College offer compared to banks?
Credit unions like Arkansas Am & N College 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 Am & N College 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.