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
Call Report peers
Arkansas Best in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Arkansas Best sits in 80-84 with 767 others.
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
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).
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.
- One place up in Arkansas, Arkansas Am & N College (#25) scores 82/100, 1 point higher; one place down, River Town (#27) ties at 81/100.
Arkansas Best Call Report trajectory
Arkansas Best: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $142.7M (2025Q4) to $144.9M (2026Q1).
- Net-worth ratio shifted -0.03 pp (16.08% → 16.05%).
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
Arkansas Best gives up 19 points in total. Member Growth costs the most, 11.2 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Arkansas Best financially healthy?
On its 2025Q4 NCUA 5300 filing, Arkansas Best scores 81/100 (Excellent), with a 16.05% net worth ratio and 0.53% of loans delinquent. It ranks #2,551 of 4,374 nationally on health and #26 of 48 in Arkansas.
How does Arkansas Best compare to other credit unions?
Arkansas Best scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (16.05% vs 12.11%). Its widest shortfall is loan-to-share ratio (50.00% vs 72.20%).
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?
Arkansas Best 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 Best's net worth ratio of 16.05% 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.