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
- BOOK 88/100
- CHARTER 28.3%
- NCUSIF 1.14%
- CAMELS 0.78%
- HEALTH $4.4M
- NW 520
- DELQ #1,369/4,374
- ROA n/a
- ASSETS 17849
Call Report peers
Arkansas Kraft Employees carries $4.4M 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 Kraft Employees 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
88 Top 35% higher than 65% 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 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.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for AR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Arkansas Kraft Employees's 5300 filing moved
Arkansas Kraft Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $4.4M (2025Q4) to $4.5M (2026Q1).
- Net-worth ratio shifted -0.21 pp (28.54% → 28.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
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).
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
Cross-state asset and health neighbours for Arkansas Kraft Employees - kept outside Arkansas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- 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 Kraft Employees financially healthy?
A 28.33% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,369 of 4,374; by total assets it ranks #3,935 of 4,374 nationally (same basis as /rankings/largest); and #42 of 48 within Arkansas. 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 28.33% 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.
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.