Federal credit union · LITTLE ROCK, Arkansas · NCUA charter #23170
Arkansas Education Association
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $8.2M
- Total assets
- 1,940
- Members
- 12.8%
- Net-worth ratio
Arkansas Education Association scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.2M; members 1,940; net-worth ratio 12.85%; health rank #2,855 of 4,374; healthier than 33rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,855 of 4,374 health · 2025Q4Arkansas Education Associat… · health 79/100 · $8.2M · 2025Q4
- ASSETS 79/100
- MEM 12.8%
- RANK 2.14%
- PHOTO 0.52%
- BOOK $8.2M
- CHARTER 1,940
- NCUSIF #2,855/4,374
- CAMELS n/a
- HEALTH 23170
Arkansas Education Association carries $8.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Arkansas Education Association 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
79 33rd percentile higher than 33% 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 Education Association - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #23170. See our deposit-insurance coverage note.
Peer-gap read for Arkansas Education Association
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +1.82 pp (65.42% vs 63.60%).
- Widest shortfall vs peers is Net Worth Ratio: -6.21 pp (12.85% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Arkansas Education Association in Arkansas
- In Arkansas, health place is #31 of 48 on the same NCUA-ratio sort used nationally.
- By total assets, Arkansas Education Association is #35 of 48 in Arkansas.
- Membership ranks #28 of 48 among Arkansas CUs with a reported count (1,940 members).
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 Education Association: 2025Q4 → 2026Q1
Arkansas Education Association: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.8% from $8.2M (2025Q4) to $8.1M (2026Q1).
- Net-worth ratio shifted -0.04 pp (12.89% → 12.85%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.85%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.6 pts
- Return on Assets 15.0 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 13.9 pts
Arkansas Education Associat… health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.85% | -6.21 pp |
| Delinquency Rate | 2.14% | +0.33 pp |
| Return on Assets | 0.52% | +0.06 pp |
| Member Growth | -0.26% | - |
| Loan-to-Share Ratio | 65.42% | +1.82 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Arkansas Education Associat… filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.1M | - |
| 2025Q4 | $8.2M | 1,940 |
| 2024Q4 | $8.4M | 1,945 |
| 2023Q4 | $8.1M | 1,947 |
Credit Union Details
- Charter Number
- 23170
- Type
- Federal
- Field of Membership
- Association/Group
- Peer Group
- $2M–$10M
- State
- Arkansas
- City
- LITTLE ROCK
- Data Quarter
- 2025Q4
Branch Locations (3)
Arkansas Education Association operates 3 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Arkansas Education Associaion FCU (Main Office) | Little Rock, AR |
| N & D Technical Services, INC. | Little Rock, AR |
| Fiserv/XRoads | Madison, WI |
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.
Arkansas Education Association nationwide neighbourhoods
Two NCUA Call Report peer sets for Arkansas Education Association, both outside Arkansas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Arkansas Education Association ranks #2,855 of 4,374 nationally on financial health and #31 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Va Hospital is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Va Hospital
- 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 Education Association financially healthy?
Arkansas Education Association has a financial health score of 79/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,855 of 4,374; by total assets it ranks #3,664 of 4,374 nationally (same basis as /rankings/largest); and #35 of 48 within Arkansas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.85% and delinquency rate of 2.14%.
How does Arkansas Education Association compare to other credit unions?
Five weighted metrics from NCUA filings produce Arkansas Education Association's 79/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Education Association?
Arkansas Education Association serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Arkansas Education Association directly for the current list of qualifying groups.
Is my money safe at Arkansas Education Association?
Federal credit unions like Arkansas Education Association 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 Education Association's net worth ratio of 12.85% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Arkansas Education Association offer compared to banks?
Credit unions like Arkansas Education Association 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 Education Association 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.