Federal credit union · HOT SPRINGS, Arkansas · NCUA charter #18814
Garland County Educators
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $5.3M
- Total assets
- 729
- Members
- 17.3%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)16
- Earnings (ROA)100
- Member growth45
- Liquidity (loan-to-share)100
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 17.29% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.29% | 30% |
| Delinquency Rate | 3.36% | 25% |
| Return on Assets | 2.12% | 15% |
| Member Growth | -1.22% | 15% |
| Loan-to-Share Ratio | 72.25% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Garland County Educators
The five-factor composite scores Garland County Educators at 71/100 (Very Good), reflecting a net worth ratio of 17.29% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in HOT SPRINGS, Arkansas, reports 729 members, $5.3M in total assets, and $3.2M in outstanding loans as of Q4 2025 under charter #18814 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
3.36% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Deposit deployment is captured by the 72.25% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 2.12% on net income of $112K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.22%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Single Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Arkansas
More federally-insured credit unions based in Arkansas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.29% 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 17.29% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.