Federal credit union · PINE BLUFF, Arkansas · NCUA charter #12305
FAIRFIELD
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $96.8M
- Total assets
- 9,662
- Members
- 23.1%
- Net-worth ratio
FAIRFIELD scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $96.8M; members 9,662; net-worth ratio 23.09%; health rank #3,316 of 4,374; healthier than 23rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,316 of 4,374 health · 2025Q4FAIRFIELD · health 74/100 · $96.8M · 2025Q4
Call Report peers
FAIRFIELD in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FAIRFIELD vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FAIRFIELD sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where FAIRFIELD diverges from peer averages
- Net Worth Ratio leads the peer set - 23.09% here, 13.62% peer average (+9.47 pp).
- Loan-to-Share Ratio trails the peer set - 44.86% here, 62.60% peer average (-17.74 pp).
FAIRFIELD in Arkansas
- Arkansas health ordinal: #35 of 48.
- By total assets, FAIRFIELD is #6 of 48 in Arkansas.
- Arkansas membership ordinal: #8 of 48.
- One place up in Arkansas, White County (#34) scores 75/100, 1 point higher; one place down, TIMBERLINE (#36) scores 73/100, 1 point lower.
Quarter path for FAIRFIELD
FAIRFIELD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $96.8M (2025Q4) to $99.0M (2026Q1).
- Net-worth ratio shifted +0.05 pp (23.04% → 23.09%).
23.09% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 74/100 score is built
FAIRFIELD gives up 26 points in total. Delinquency Rate costs the most, 16.8 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.2 pts
- Return on Assets 15.0 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 10.6 pts
FAIRFIELD vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.09% | +9.47 pp |
| Delinquency Rate | 2.68% | +1.72 pp |
| Return on Assets | 1.87% | +1.21 pp |
| Member Growth | 1.04% | - |
| Loan-to-Share Ratio | 44.86% | -17.74 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
FAIRFIELD quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $99.0M | - |
| 2025Q4 | $96.8M | 9,662 |
| 2024Q4 | $95.7M | 9,563 |
| 2023Q4 | $94.7M | 11,124 |
Credit Union Details
- Charter Number
- 12305
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Arkansas
- City
- PINE BLUFF
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, FAIRFIELD runs 4 offices in 2 different cities.
| Office | City |
|---|---|
| Fairfield Federal Credit Union (Main Office) | Pine Bluff, AR |
| Fairfield Federal Credit Union | Pine Bluff, AR |
| Vital Records Center | White Hall, AR |
| Fairfield Federal Credit Union | White Hall, 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.
Other-state peers near FAIRFIELD
Using this data
- FAIRFIELD ranks #3,316 of 4,374 nationally on financial health and #35 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Arkansas Superior is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Arkansas Superior
Frequently Asked Questions
Is FAIRFIELD financially healthy?
FAIRFIELD has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,316 of 4,374 nationally on health and #35 of 48 in Arkansas. Its net worth ratio is 23.09% and its delinquency rate 2.68%.
How does FAIRFIELD compare to other credit unions?
FAIRFIELD scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (23.09% vs 13.62%). Its widest shortfall is loan-to-share ratio (44.86% vs 62.60%).
How can I join FAIRFIELD?
FAIRFIELD 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 FAIRFIELD directly for the exact boundaries and application steps.
Is my money safe at FAIRFIELD?
FAIRFIELD 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. FAIRFIELD's net worth ratio of 23.09% 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.