Federal credit union · Malvern, Arkansas · NCUA charter #13762
Diamond Lakes
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $78.7M
- Total assets
- 9,151
- Members
- 21.8%
- Net-worth ratio
Diamond Lakes scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $78.7M; members 9,151; net-worth ratio 21.75%; health rank #875 of 4,374; healthier than 77th of scored peers.
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NCUA 5300 Call Report Masthead
#875 of 4,374 health · 2025Q4Diamond Lakes · health 91/100 · $78.7M · 2025Q4
Call Report peers
Diamond Lakes in the assets neighbourhood
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Diamond Lakes vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Diamond Lakes sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Diamond Lakes: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 88.31% vs peer 62.60% (+25.71 pp).
Diamond Lakes in Arkansas
- Arkansas health ordinal: #7 of 48.
- Arkansas assets place: #10 of 48.
- Membership ranks #9 of 48 among Arkansas CUs with a reported count (9,151 members).
- One place up in Arkansas, Arkansas Farm Bureau (#6) ties at 91/100; one place down, MIL-WAY (#8) scores 90/100, 1 point lower.
Quarter path for Diamond Lakes
Diamond Lakes: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $78.7M (2025Q4) to $81.0M (2026Q1).
- Net-worth ratio shifted -0.54 pp (22.29% → 21.75%).
At 21.75%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Diamond Lakes gives up 9 points in total. Member Growth costs the most, 5.9 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.3 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.75% | +8.13 pp |
| Delinquency Rate | 0.77% | -0.19 pp |
| Return on Assets | 1.29% | +0.63 pp |
| Member Growth | 0.09% | - |
| Loan-to-Share Ratio | 88.31% | +25.71 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Diamond Lakes filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $81.0M | - |
| 2025Q4 | $78.7M | 9,151 |
| 2024Q4 | $76.9M | 9,143 |
| 2023Q4 | $80.9M | 9,166 |
Credit Union Details
- Charter Number
- 13762
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Arkansas
- City
- Malvern
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Diamond Lakes runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Malvern Office (Main Office) | Malvern, AR |
| Hot Springs Central Office | Hot Springs, AR |
| Hot Springs Grand Office | Hot Springs, AR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arkansas
A look at other Arkansas credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Diamond Lakes ranks #875 of 4,374 nationally on financial health and #7 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TIMBERLINE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TIMBERLINE
Frequently Asked Questions
Is Diamond Lakes financially healthy?
On its 2025Q4 NCUA 5300 filing, Diamond Lakes scores 91/100 (Excellent), with a 21.75% net worth ratio and 0.77% of loans delinquent. It ranks #875 of 4,374 nationally on health and #7 of 48 in Arkansas.
How does Diamond Lakes compare to other credit unions?
Diamond Lakes scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (88.31% vs 62.60%).
How can I join Diamond Lakes?
Diamond Lakes 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 Diamond Lakes directly for the exact boundaries and application steps.
Is my money safe at Diamond Lakes?
Diamond Lakes 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. Diamond Lakes's net worth ratio of 21.75% 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.