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.
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NCUA 5300 Call Report Masthead
#4,122 of 4,374 health · 2025Q4ARSENAL · health 58/100 · $409.2M · 2025Q4
Call Report peers
ARSENAL in the assets neighbourhood
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ARSENAL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ARSENAL sits in 55-59 with 115 others.
58 6th percentile higher than 6% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Missouri, Catholic Family (#82) ties at 58/100; one place down, Summit Ridge (#84) scores 53/100, 5 points lower.
Quarter path for ARSENAL
ARSENAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.5% from $409.2M (2025Q4) to $395.1M (2026Q1).
- Net-worth ratio shifted +0.36 pp (8.17% → 8.53%).
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
ARSENAL gives up 42 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ARSENAL financially healthy?
ARSENAL has a financial health score of 58/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,122 of 4,374 nationally on health and #83 of 89 in Missouri. Its net worth ratio is 8.53% and its delinquency rate 2.33%.
How does ARSENAL compare to other credit unions?
ARSENAL scores 58/100, higher than 6% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (78.05% vs 72.20%). Its widest shortfall is net worth ratio (8.53% vs 12.11%).
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?
ARSENAL is a state-chartered 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. ARSENAL's net worth ratio of 8.53% 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.