Federal credit union · Morrilton, Arkansas · NCUA charter #17849
Arkansas Kraft Employees
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $4.4M
- Total assets
- 520
- Members
- 28.3%
- Net-worth ratio
Arkansas Kraft Employees scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.4M; members 520; net-worth ratio 28.33%; health rank #1,369 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,369 of 4,374 health · 2025Q4Arkansas Kraft Employees · health 88/100 · $4.4M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Arkansas Kraft Employees vs every NCUA-scored credit union
Arkansas Kraft Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Arkansas Kraft Employees
- Loan-to-Share Ratio leads the peer set - 88.29% here, 63.60% peer average (+24.69 pp).
Where Arkansas Kraft Employees sits in Arkansas
- Health composite ranks #12 of 48 among scored Arkansas credit unions.
- By total assets, Arkansas Kraft Employees is #42 of 48 in Arkansas.
- Arkansas membership ordinal: #45 of 48.
- One place up in Arkansas, PBA (#11) ties at 88/100; one place down, Fort Smith Teachers (#13) ties at 88/100.
How Arkansas Kraft Employees's 5300 filing moved
Arkansas Kraft Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $4.4M (2025Q4) to $4.5M (2026Q1).
- Net-worth ratio shifted -0.21 pp (28.54% → 28.33%).
At 28.33%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Arkansas Kraft Employees gives up 12 points in total. Delinquency Rate costs the most, 6.1 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.9 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 28.33% | +9.27 pp |
| Delinquency Rate | 1.14% | -0.67 pp |
| Return on Assets | 0.78% | +0.32 pp |
| Member Growth | 0.39% | - |
| Loan-to-Share Ratio | 88.29% | +24.69 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.5M | - |
| 2025Q4 | $4.4M | 520 |
| 2024Q4 | $4.4M | 518 |
| 2023Q4 | $4.6M | 529 |
Credit Union Details
- Charter Number
- 17849
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Arkansas
- City
- Morrilton
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Arkansas Kraft Employees, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Arkansas Kraft Employees Federal Credit Union (Main Office) | Morrilton, AR |
| Fed Comp | Fairfax, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arkansas
Other federally-insured credit unions in Arkansas, closest first by peer group and asset size.
- COOPERATIVE EXTENSION SERVICELITTLE ROCK, AR · $2M–$10M72Health
- SOUTHERN GASLITTLE ROCK, AR · $2M–$10M84Health
- GARLAND COUNTY EDUCATORSHOT SPRINGS, AR · $2M–$10M71Health
- PEOPLE TRUST COMMUNITYNorth Little Ro, AR · $2M–$10M24Health
- ARKANSAS TEACHERSLIttle Rock, AR · $2M–$10M70Health
Compare Arkansas Kraft Employees vs COOPERATIVE EXTENSION SERVICE
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Arkansas Kraft Employees ranks #1,369 of 4,374 nationally on financial health and #12 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cooperative Extension Service is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cooperative Extension Service
Frequently Asked Questions
Is Arkansas Kraft Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Arkansas Kraft Employees scores 88/100 (Excellent), with a 28.33% net worth ratio and 1.14% of loans delinquent. It ranks #1,369 of 4,374 nationally on health and #12 of 48 in Arkansas.
How does Arkansas Kraft Employees compare to other credit unions?
Arkansas Kraft Employees scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (88.29% vs 63.60%).
How can I join Arkansas Kraft Employees?
Arkansas Kraft Employees 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 Kraft Employees directly for the exact boundaries and application steps.
Is my money safe at Arkansas Kraft Employees?
Arkansas Kraft Employees 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 Kraft Employees's net worth ratio of 28.33% 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.