Federal credit union · FORT SMITH, Arkansas · NCUA charter #1248
Fort Smith Teachers
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $12.7M
- Total assets
- 1,430
- Members
- 23.7%
- Net-worth ratio
Fort Smith Teachers scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.7M; members 1,430; net-worth ratio 23.69%; health rank #1,374 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,374 of 4,374 health · 2025Q4Fort Smith Teachers · health 88/100 · $12.7M · 2025Q4
Call Report peers
Fort Smith Teachers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Fort Smith Teachers vs every NCUA-scored credit union
Fort Smith Teachers sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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
Where Fort Smith Teachers diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +8.83 pp (23.69% vs 14.86%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -13.68 pp (46.12% vs 59.80%).
Arkansas standing for Fort Smith Teachers
- In Arkansas, health place is #13 of 48 on the same NCUA-ratio sort used nationally.
- Arkansas assets place: #29 of 48.
- Arkansas membership ordinal: #32 of 48.
- One place up in Arkansas, Arkansas Kraft Employees (#12) ties at 88/100; one place down, Natural State (#14) ties at 88/100.
Fort Smith Teachers: 2025Q4 → 2026Q1
Fort Smith Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $12.7M (2025Q4) to $12.9M (2026Q1).
- Net-worth ratio shifted -0.12 pp (23.81% → 23.69%).
At 23.69%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Fort Smith Teachers gives up 12 points in total. Member Growth costs the most, 7.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.8 pts
- Loan-to-Share Ratio 10.2 pts
Fort Smith Teachers health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.69% | +8.83 pp |
| Delinquency Rate | 0.09% | -1.06 pp |
| Return on Assets | 0.91% | +0.20 pp |
| Member Growth | -0.69% | - |
| Loan-to-Share Ratio | 46.12% | -13.68 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.9M | - |
| 2025Q4 | $12.7M | 1,430 |
| 2024Q4 | $13.1M | 1,440 |
| 2023Q4 | $13.7M | 1,468 |
Credit Union Details
- Charter Number
- 1248
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Arkansas
- City
- FORT SMITH
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Fort Smith Teachers.
| Office | City |
|---|---|
| Main Office (Main Office) | Fort Smith, 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.
Fort Smith Teachers nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Fort Smith Teachers ranks #1,374 of 4,374 nationally on financial health and #13 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- River Town is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with River Town
Frequently Asked Questions
Is Fort Smith Teachers financially healthy?
On its 2025Q4 NCUA 5300 filing, Fort Smith Teachers scores 88/100 (Excellent), with a 23.69% net worth ratio and 0.09% of loans delinquent. It ranks #1,374 of 4,374 nationally on health and #13 of 48 in Arkansas.
How does Fort Smith Teachers compare to other credit unions?
Fort Smith Teachers scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (23.69% vs 14.86%). Its widest shortfall is loan-to-share ratio (46.12% vs 59.80%).
How can I join Fort Smith Teachers?
Fort Smith Teachers 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 Fort Smith Teachers directly for the exact boundaries and application steps.
Is my money safe at Fort Smith Teachers?
Fort Smith Teachers 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. Fort Smith Teachers's net worth ratio of 23.69% 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.