Federal credit union · LITTLE ROCK, Arkansas · NCUA charter #21268
DILLARD'S
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $23.0M
- Total assets
- 3,523
- Members
- 12.4%
- Net-worth ratio
DILLARD'S scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.0M; members 3,523; net-worth ratio 12.43%; health rank #1,644 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,644 of 4,374 health · 2025Q4DILLARD'S · health 87/100 · $23.0M · 2025Q4
- CAMELS 87/100
- HEALTH 12.4%
- NW 0.13%
- DELQ 0.87%
- ROA $23.0M
- ASSETS 3,523
- MEM #1,644/4,374
- RANK Western Illinois School Employees
- PHOTO 21268
Call Report peers
DILLARD'S in the assets neighbourhood
DILLARD'S's $23.0M assets sit next to Western Illinois School Employees ($23.0M) 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.
DILLARD'S 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
87 Top 40% higher than 60% 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
DILLARD'S - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #21268: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
DILLARD'S vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -1.01 pp (0.13% vs 1.15%).
- Loan-to-Share Ratio trails the peer set - 41.92% here, 59.80% peer average (-17.88 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
DILLARD'S: in-state Call Report ranks
- In Arkansas, health place is #18 of 48 on the same NCUA-ratio sort used nationally.
- Arkansas assets place: #21 of 48.
- Membership ranks #19 of 48 among Arkansas CUs with a reported count (3,523 members).
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 DILLARD'S's 5300 filing moved
DILLARD'S: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +10.9% from $23.0M (2025Q4) to $25.5M (2026Q1).
- Net-worth ratio shifted -0.97 pp (13.40% → 12.43%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.43% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 10.3 pts
DILLARD'S vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.43% | -2.43 pp |
| Delinquency Rate | 0.13% | -1.01 pp |
| Return on Assets | 0.87% | +0.16 pp |
| Member Growth | -1.26% | - |
| Loan-to-Share Ratio | 41.92% | -17.88 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
DILLARD'S filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.5M | - |
| 2025Q4 | $23.0M | 3,523 |
| 2024Q4 | $22.9M | 3,568 |
| 2023Q4 | $24.0M | 3,664 |
Credit Union Details
- Charter Number
- 21268
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Arkansas
- City
- LITTLE ROCK
- Data Quarter
- 2025Q4
Branch Location
DILLARD'S operates a single office in Little Rock, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Little Rock, 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.
Cross-state Call Report peers for DILLARD'S
DILLARD'S's nationwide photo peers by assets and by health score, excluding Arkansas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($23.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- DILLARD'S ranks #1,644 of 4,374 nationally on financial health and #18 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northwest Arkansas is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northwest Arkansas
- 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 DILLARD'S financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, DILLARD'S carries a financial health score of 87/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,644 of 4,374; by total assets it ranks #3,058 of 4,374 nationally (same basis as /rankings/largest); and #21 of 48 within Arkansas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.43% net worth ratio and a 0.13% delinquency rate.
How does DILLARD'S compare to other credit unions?
On PlainCU's health composite, DILLARD'S lands at 87/100, compared to a peer group average for $10M–$50M 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 DILLARD'S?
DILLARD'S 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 DILLARD'S directly for the exact boundaries and application steps.
Is my money safe at DILLARD'S?
Federal credit unions like DILLARD'S 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. DILLARD'S's net worth ratio of 12.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does DILLARD'S offer compared to banks?
Credit unions like DILLARD'S 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 DILLARD'S 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.