State credit union · Arnold, Missouri · NCUA charter #67195
ARSENAL
Health score 58/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $409.2M
- Total assets
- 30,063
- Members
- 8.5%
- Net-worth ratio
ARSENAL scores 58/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $409.2M; members 30,063; net-worth ratio 8.53%; health rank #4,122 of 4,374; healthier than 6th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,122 of 4,374 health · 2025Q4ARSENAL · health 58/100 · $409.2M · 2025Q4
- MEM 58/100
- RANK 8.5%
- PHOTO 2.33%
- BOOK -1.18%
- CHARTER $409.2M
- NCUSIF 30,063
- CAMELS #4,122/4,374
- HEALTH Streator Onized
- NW 67195
Call Report peers
ARSENAL in the assets neighbourhood
ARSENAL's $409.2M assets sit next to Streator Onized ($409.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ARSENAL 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
58 6th percentile higher than 6% 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
ARSENAL - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67195 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where ARSENAL diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 78.05% vs peer 72.20% (+5.85 pp).
- Net Worth Ratio trails the peer set - 8.53% here, 12.11% peer average (-3.58 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ARSENAL: in-state Call Report ranks
- Health composite ranks #83 of 89 among scored Missouri credit unions.
- Missouri assets place: #10 of 89.
- Member book place in Missouri: #10 of 89.
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for ARSENAL
ARSENAL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.5% from $409.2M (2025Q4) to $395.1M (2026Q1).
- Net-worth ratio shifted +0.36 pp (8.17% → 8.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.53%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 58/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 58.
- Net Worth Ratio 26.3 pts
- Delinquency Rate 10.5 pts
- Return on Assets 0.0 pts
- Member Growth 6.1 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for ARSENAL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.53% | -3.58 pp |
| Delinquency Rate | 2.33% | +1.43 pp |
| Return on Assets | -1.18% | -1.80 pp |
| Member Growth | -1.61% | - |
| Loan-to-Share Ratio | 78.05% | +5.85 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
ARSENAL quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $395.1M | - |
| 2025Q4 | $409.2M | 30,063 |
| 2024Q4 | $420.0M | 30,555 |
| 2023Q4 | $397.1M | 31,476 |
Credit Union Details
- Charter Number
- 67195
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Missouri
- City
- Arnold
- Data Quarter
- 2025Q4
Branch Locations (4)
ARSENAL operates 4 offices across 4 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Arnold Branch (Main Office) | Arnold, MO |
| North Branch | Florissant, MO |
| Watson Branch | Saint Louis, MO |
| Swansea Branch | Swansea, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group and asset size.
Cross-state Call Report peers for ARSENAL
Cross-state asset and health neighbours for ARSENAL - kept outside Missouri; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($409.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (58/100 here).
Using this data
- ARSENAL ranks #4,122 of 4,374 nationally on financial health and #83 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALLIANCE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALLIANCE
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri 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 ARSENAL financially healthy?
ARSENAL has a financial health score of 58/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,122 of 4,374; by total assets it ranks #852 of 4,374 nationally (same basis as /rankings/largest); and #10 of 89 within Missouri. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.53% and delinquency rate of 2.33%.
How does ARSENAL compare to other credit unions?
On PlainCU's health composite, ARSENAL lands at 58/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 ARSENAL?
Membership eligibility for ARSENAL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ARSENAL directly for current membership requirements and application steps.
Is my money safe at ARSENAL?
Federal credit unions like ARSENAL 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. ARSENAL's net worth ratio of 8.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ARSENAL offer compared to banks?
Credit unions like ARSENAL 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 ARSENAL 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.