Federal credit union · FORT SMITH, Arkansas · NCUA charter #13737
Arkansas Best
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $142.7M
- Total assets
- 11,571
- Members
- 16.1%
- Net-worth ratio
Arkansas Best scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $142.7M; members 11,571; net-worth ratio 16.05%; health rank #2,551 of 4,374; healthier than 39th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,551 of 4,374 health · 2025Q4Arkansas Best · health 81/100 · $142.7M · 2025Q4
- DELQ 81/100
- ROA 16.1%
- ASSETS 0.53%
- MEM 0.28%
- RANK $142.7M
- PHOTO 11,571
- BOOK #2,551/4,374
- CHARTER Kimberly Clark
- NCUSIF 13737
Call Report peers
Arkansas Best in the assets neighbourhood
Arkansas Best's $142.7M assets sit next to Kimberly Clark ($142.7M) 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 Best 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
81 39th percentile higher than 39% 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 Best - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #13737 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Arkansas Best
- Net Worth Ratio leads the peer set - 16.05% here, 12.11% peer average (+3.94 pp).
- Loan-to-Share Ratio trails the peer set - 50.00% here, 72.20% peer average (-22.20 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Arkansas Best: in-state Call Report ranks
- Arkansas health ordinal: #26 of 48.
- Assets rank #5 of 48 inside Arkansas ($142.7M reported).
- Arkansas membership ordinal: #5 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 Best Call Report trajectory
Arkansas Best: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $142.7M (2025Q4) to $144.9M (2026Q1).
- Net-worth ratio shifted -0.03 pp (16.08% → 16.05%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.05% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.7 pts
- Return on Assets 11.6 pts
- Member Growth 3.8 pts
- Loan-to-Share Ratio 10.9 pts
Call Report ratios for Arkansas Best
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.05% | +3.94 pp |
| Delinquency Rate | 0.53% | -0.36 pp |
| Return on Assets | 0.28% | -0.35 pp |
| Member Growth | -2.87% | - |
| Loan-to-Share Ratio | 50.00% | -22.20 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Arkansas Best quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $144.9M | - |
| 2025Q4 | $142.7M | 11,571 |
| 2024Q4 | $144.1M | 11,913 |
| 2023Q4 | $145.3M | 12,347 |
Credit Union Details
- Charter Number
- 13737
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Arkansas
- City
- FORT SMITH
- Data Quarter
- 2025Q4
Branch Location
Arkansas Best operates a single office in Fort Smith, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Fort Smith, AR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arkansas
More federally-insured credit unions based in Arkansas, ordered by peer group match and asset size.
Other-state peers near Arkansas Best
Two NCUA Call Report peer sets for Arkansas Best, 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 ($142.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Arkansas Best ranks #2,551 of 4,374 nationally on financial health and #26 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MIL-WAY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MIL-WAY
- 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 Best financially healthy?
A 16.05% net worth ratio and a 0.53% delinquency rate feed into Arkansas Best's financial health score of 81/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,551 of 4,374; by total assets it ranks #1,529 of 4,374 nationally (same basis as /rankings/largest); and #5 of 48 within Arkansas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Arkansas Best compare to other credit unions?
On PlainCU's health composite, Arkansas Best lands at 81/100, compared to a peer group average for $100M–$500M 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 Best?
Arkansas Best 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 Best directly for the exact boundaries and application steps.
Is my money safe at Arkansas Best?
Federal credit unions like Arkansas Best 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 Best's net worth ratio of 16.05% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Arkansas Best offer compared to banks?
Credit unions like Arkansas Best 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 Best 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.