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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Garland County Educators sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Arkansas, PINE (#38) ties at 71/100; one place down, Arkansas Superior (#40) scores 70/100, 1 point lower.
Garland County Educators: 2025Q4 → 2026Q1
Garland County Educators: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.0% from $5.3M (2025Q4) to $5.2M (2026Q1).
- Net-worth ratio shifted +0.18 pp (17.29% → 17.47%).
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
Garland County Educators gives up 29 points in total. Delinquency Rate costs the most, 21 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Garland County Educators financially healthy?
Garland County Educators has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,517 of 4,374 nationally on health and #39 of 48 in Arkansas. Its net worth ratio is 17.47% and its delinquency rate 3.36%.
How does Garland County Educators compare to other credit unions?
Garland County Educators scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (72.25% vs 63.60%). Its widest shortfall is net worth ratio (17.47% vs 19.06%).
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?
Garland County Educators 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. Garland County Educators's net worth ratio of 17.47% 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.