Federal credit union · HOT SPRINGS, Arkansas · NCUA charter #18474
COMBINED
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $8.6M
- Total assets
- 1,788
- Members
- 13.2%
- Net-worth ratio
COMBINED scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.6M; members 1,788; net-worth ratio 13.21%; health rank #3,760 of 4,374; healthier than 13th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,760 of 4,374 health · 2025Q4COMBINED · health 67/100 · $8.6M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
COMBINED vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); COMBINED sits in 65-69 with 275 others.
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
COMBINED vs $2M–$10M peers
- Loan-to-Share Ratio leads the peer set - 97.25% here, 63.60% peer average (+33.65 pp).
- Largest lag: Net Worth Ratio at 13.21% vs peer 19.06% (-5.85 pp).
COMBINED in Arkansas
- Health composite ranks #43 of 48 among scored Arkansas credit unions.
- Assets rank #33 of 48 inside Arkansas ($8.6M reported).
- Arkansas membership ordinal: #30 of 48.
- One place up in Arkansas, L R F D (#42) ties at 67/100; one place down, Baptist Health (#44) scores 66/100, 1 point lower.
COMBINED: 2025Q4 → 2026Q1
COMBINED: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $8.6M (2025Q4) to $8.9M (2026Q1).
- Net-worth ratio shifted -0.13 pp (13.34% → 13.21%).
13.21% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 67/100 score is built
COMBINED gives up 33 points in total. Delinquency Rate costs the most, 14.4 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.6 pts
- Return on Assets 13.7 pts
- Member Growth 0.9 pts
- Loan-to-Share Ratio 11.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.21% | -5.85 pp |
| Delinquency Rate | 2.30% | +0.49 pp |
| Return on Assets | 0.41% | -0.04 pp |
| Member Growth | -4.49% | - |
| Loan-to-Share Ratio | 97.25% | +33.65 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
COMBINED quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.9M | - |
| 2025Q4 | $8.6M | 1,788 |
| 2024Q4 | $9.3M | 1,872 |
| 2023Q4 | $9.2M | 1,949 |
Credit Union Details
- Charter Number
- 18474
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Arkansas
- City
- HOT SPRINGS
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for COMBINED.
| Office | City |
|---|---|
| CREDIT UNION (Main Office) | HOT SPRINGS, AR |
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.
COMBINED nationwide neighbourhoods
Using this data
- COMBINED ranks #3,760 of 4,374 nationally on financial health and #43 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Va Hospital is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Va Hospital
Frequently Asked Questions
Is COMBINED financially healthy?
On its 2025Q4 NCUA 5300 filing, COMBINED scores 67/100 (Good), with a 13.21% net worth ratio and 2.30% of loans delinquent. It ranks #3,760 of 4,374 nationally on health and #43 of 48 in Arkansas.
How does COMBINED compare to other credit unions?
COMBINED scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (97.25% vs 63.60%). Its widest shortfall is net worth ratio (13.21% vs 19.06%).
How can I join COMBINED?
COMBINED 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 COMBINED directly for the exact boundaries and application steps.
Is my money safe at COMBINED?
COMBINED 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. COMBINED's net worth ratio of 13.21% 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.