Federal credit union · EL DORADO, Arkansas · NCUA charter #24437
LION
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $17.3M
- Total assets
- 2,243
- Members
- 18.2%
- Net-worth ratio
LION scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.3M; members 2,243; net-worth ratio 18.18%; health rank #728 of 4,374; healthier than 80th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#728 of 4,374 health · 2025Q4LION · health 92/100 · $17.3M · 2025Q4
- PHOTO 92/100
- BOOK 18.2%
- CHARTER 0.00%
- NCUSIF 1.49%
- CAMELS $17.3M
- HEALTH 2,243
- NW #728/4,374
- DELQ Combined Employees
- ROA 24437
Call Report peers
LION in the assets neighbourhood
LION's $17.3M assets sit next to Combined Employees ($17.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LION 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
92 Top 20% higher than 80% 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
LION - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24437 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for LION
- Loan-to-Share Ratio leads the peer set - 86.93% here, 59.80% peer average (+27.13 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
LION in Arkansas
- In Arkansas, health place is #5 of 48 on the same NCUA-ratio sort used nationally.
- By total assets, LION is #23 of 48 in Arkansas.
- Arkansas membership ordinal: #24 of 48.
In-state ordinals use the live credit_unions table for AR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for LION
LION: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.3% from $17.3M (2025Q4) to $18.1M (2026Q1).
- Net-worth ratio shifted -0.42 pp (18.60% → 18.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 18.18%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.18% | +3.32 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.49% | +0.78 pp |
| Member Growth | -1.28% | - |
| Loan-to-Share Ratio | 86.93% | +27.13 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.1M | - |
| 2025Q4 | $17.3M | 2,243 |
| 2024Q4 | $17.4M | 2,272 |
| 2023Q4 | $17.9M | 2,295 |
Credit Union Details
- Charter Number
- 24437
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Arkansas
- City
- EL DORADO
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, LION runs one office.
| Office | City |
|---|---|
| Lion Federal Credit Union (Main Office) | El Dorado, 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 LION
Two NCUA Call Report peer sets for LION, both outside Arkansas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($17.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- LION ranks #728 of 4,374 nationally on financial health and #5 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- White County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with White County
- 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 LION financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - LION'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 #728 of 4,374; by total assets it ranks #3,230 of 4,374 nationally (same basis as /rankings/largest); and #23 of 48 within Arkansas. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.18% net worth ratio and 0.00% delinquency rate are the key drivers.
How does LION compare to other credit unions?
On PlainCU's health composite, LION lands at 92/100, compared to a peer group average for $10M–$50M 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 LION?
LION 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 LION directly for the exact boundaries and application steps.
Is my money safe at LION?
Federal credit unions like LION 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. LION's net worth ratio of 18.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LION offer compared to banks?
Credit unions like LION 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 LION 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.