Federal credit union · Morrilton, Arkansas · NCUA charter #17849
Arkansas Kraft Employees
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $4.4M
- Total assets
- 520
- Members
- 25.3%
- Net-worth ratio
Arkansas Kraft Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #17849: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Arkansas Kraft Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)76
- Earnings (ROA)100
- Member growth63
- Liquidity (loan-to-share)100
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 25.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 25.31% | 30% |
| Delinquency Rate | 1.14% | 25% |
| Return on Assets | 0.78% | 15% |
| Member Growth | 0.39% | 15% |
| Loan-to-Share Ratio | 88.29% | 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 | $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
What This Data Says About Arkansas Kraft Employees
The five-factor composite scores Arkansas Kraft Employees at 88/100 (Excellent), reflecting a net worth ratio of 25.31% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Morrilton, Arkansas, reports 520 members, $4.4M in total assets, and $2.8M in outstanding loans as of Q4 2025 under charter #17849 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 1.14% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. The loan-to-share ratio of 88.29% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.78% on net income of $34K 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 0.39%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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
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 Kraft Employees financially healthy?
A 25.31% net worth ratio and a 1.14% delinquency rate feed into Arkansas Kraft Employees's financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Arkansas Kraft Employees compare to other credit unions?
PlainCU's health composite puts Arkansas Kraft Employees at 88/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Arkansas Kraft Employees 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 Kraft Employees's net worth ratio of 25.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Arkansas Kraft Employees offer compared to banks?
Credit unions like Arkansas Kraft Employees 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 Kraft Employees 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.