Federal credit union · LITTLE ROCK, Arkansas · NCUA charter #6725
L R F D
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $16.7M
- Total assets
- 898
- Members
- 19.1%
- Net-worth ratio
L R F D scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.7M; members 898; net-worth ratio 19.11%; health rank #3,750 of 4,374; healthier than 13th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,750 of 4,374 health · 2025Q4L R F D · health 67/100 · $16.7M · 2025Q4
Call Report peers
L R F D in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
L R F D vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); L R F D sits in 65-69 with 275 others.
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where L R F D diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 82.45% vs peer 59.80% (+22.65 pp).
- Largest lag: Delinquency Rate at 7.07% vs peer 1.15% (+5.92 pp).
Arkansas standing for L R F D
- Health composite ranks #42 of 48 among scored Arkansas credit unions.
- By total assets, L R F D is #26 of 48 in Arkansas.
- Member book place in Arkansas: #38 of 48.
- One place up in Arkansas, Arkansas Teachers (#41) scores 70/100, 3 points higher; one place down, COMBINED (#43) ties at 67/100.
L R F D: 2025Q4 → 2026Q1
L R F D: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $16.7M (2025Q4) to $16.8M (2026Q1).
- Net-worth ratio shifted -0.03 pp (19.14% → 19.11%).
This credit union's 19.11% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 67/100 score is built
L R F D gives up 33 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 11.5 pts
- Member Growth 10.9 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for L R F D
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.11% | +4.25 pp |
| Delinquency Rate | 7.07% | +5.92 pp |
| Return on Assets | 0.26% | -0.44 pp |
| Member Growth | 1.58% | - |
| Loan-to-Share Ratio | 82.45% | +22.65 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
L R F D quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.8M | - |
| 2025Q4 | $16.7M | 898 |
| 2024Q4 | $16.3M | 884 |
| 2023Q4 | $15.3M | 879 |
Credit Union Details
- Charter Number
- 6725
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Arkansas
- City
- LITTLE ROCK
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, L R F D runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| UNION OFFICE (Main Office) | Little Rock, AR |
| STA. #7 | LITTLE ROCK, AR |
| Fire Station #6 | LITTLE ROCK, 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.
L R F D nationwide neighbourhoods
Using this data
- L R F D ranks #3,750 of 4,374 nationally on financial health and #42 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Electric Cooperatives is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Electric Cooperatives
Frequently Asked Questions
Is L R F D financially healthy?
On its 2025Q4 NCUA 5300 filing, L R F D scores 67/100 (Good), with a 19.11% net worth ratio and 7.07% of loans delinquent. It ranks #3,750 of 4,374 nationally on health and #42 of 48 in Arkansas.
How does L R F D compare to other credit unions?
L R F D scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (82.45% vs 59.80%). Its widest shortfall is delinquency rate (7.07% vs 1.15%).
How can I join L R F D?
L R F D carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact L R F D directly to confirm current membership steps.
Is my money safe at L R F D?
L R F D 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. L R F D's net worth ratio of 19.11% 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.