Federal credit union · LITTLE ROCK, Arkansas · NCUA charter #23170
Arkansas Education Association
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $8.2M
- Total assets
- 1,940
- Members
- 11.2%
- Net-worth ratio
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.
Arkansas Education Association - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)46
- Earnings (ROA)100
- Member growth57
- Liquidity (loan-to-share)93
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.25%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.25% | 30% |
| Delinquency Rate | 2.14% | 25% |
| Return on Assets | 0.52% | 15% |
| Member Growth | -0.26% | 15% |
| Loan-to-Share Ratio | 65.42% | 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 | $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
What This Data Says About Arkansas Education Association
Headquartered in LITTLE ROCK, Arkansas, Arkansas Education Association is a federal credit union with 1,940 members, $8.2M in total assets, and $4.6M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 79/100 (Very Good), driven in part by a net worth ratio of 11.25% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #23170 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 65.42% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 2.14% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Return on assets stands at 0.52% on net income of $42K 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 -0.26%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Association/Group); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
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 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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.25% 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 11.25% 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.
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.