Federal credit union · HOT SPRINGS, Arkansas · NCUA charter #18814
Garland County Educators
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $5.3M
- Total assets
- 729
- Members
- 17.5%
- Net-worth ratio
Garland County Educators scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.3M; members 729; net-worth ratio 17.47%; health rank #3,517 of 4,374; healthier than 18th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,517 of 4,374 health · 2025Q4Garland County Educators · health 71/100 · $5.3M · 2025Q4
- DELQ 71/100
- ROA 17.5%
- ASSETS 3.36%
- MEM 2.12%
- RANK $5.3M
- PHOTO 729
- BOOK #3,517/4,374
- CHARTER n/a
- NCUSIF 18814
Call Report peers
Garland County Educators carries $5.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Garland County Educators 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
71 18th percentile higher than 18% 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
Garland County Educators - Share Insurance Coverage
Charter #18814's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Garland County Educators vs $2M–$10M peers
- Largest favorable gap: Loan-to-Share Ratio at 72.25% vs peer 63.60% (+8.65 pp).
- Net Worth Ratio trails the peer set - 17.47% here, 19.06% peer average (-1.59 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Garland County Educators in Arkansas
- Arkansas health ordinal: #39 of 48.
- By total assets, Garland County Educators is #39 of 48 in Arkansas.
- Membership ranks #41 of 48 among Arkansas CUs with a reported count (729 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.
Garland County Educators: 2025Q4 → 2026Q1
Garland County Educators: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.0% from $5.3M (2025Q4) to $5.2M (2026Q1).
- Net-worth ratio shifted +0.18 pp (17.29% → 17.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 4.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.8 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.47% | -1.59 pp |
| Delinquency Rate | 3.36% | +1.55 pp |
| Return on Assets | 2.12% | +1.66 pp |
| Member Growth | -1.22% | - |
| Loan-to-Share Ratio | 72.25% | +8.65 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Garland County Educators quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.2M | - |
| 2025Q4 | $5.3M | 729 |
| 2024Q4 | $5.2M | 738 |
| 2023Q4 | $5.0M | 766 |
Credit Union Details
- Charter Number
- 18814
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- Arkansas
- City
- HOT SPRINGS
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Garland County Educators.
| Office | City |
|---|---|
| Garland County Educators Federal Credit Union (Main Office) | Hot Springs, AR |
| Bank OZK | Hot Springs, AR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arkansas
More federally-insured credit unions based in Arkansas, ordered by peer group match and asset size.
Other-state peers near Garland County Educators
Garland County Educators's nationwide photo peers by assets and by health score, excluding Arkansas charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- Garland County Educators ranks #3,517 of 4,374 nationally on financial health and #39 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Southern Gas is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Southern Gas
- 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 Garland County Educators financially healthy?
Yes/no aside, the number is 71/100 (Very Good) - Garland County Educators's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,517 of 4,374; by total assets it ranks #3,863 of 4,374 nationally (same basis as /rankings/largest); and #39 of 48 within Arkansas. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.47% net worth ratio and 3.36% delinquency rate are the key drivers.
How does Garland County Educators compare to other credit unions?
On PlainCU's health composite, Garland County Educators lands at 71/100, compared to a peer group average for $2M–$10M 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 Garland County Educators?
Garland County Educators is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Garland County Educators directly to confirm eligibility.
Is my money safe at Garland County Educators?
Federal credit unions like Garland County Educators 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. Garland County Educators's net worth ratio of 17.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Garland County Educators offer compared to banks?
Credit unions like Garland County Educators 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 Garland County Educators 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.