Federal credit union · SEARCY, Arkansas · NCUA charter #24432
Natural State
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $8.8M
- Total assets
- 1,209
- Members
- 16.5%
- Net-worth ratio
Natural State scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.8M; members 1,209; net-worth ratio 16.52%; health rank #1,404 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,404 of 4,374 health · 2025Q4Natural State · health 88/100 · $8.8M · 2025Q4
- PHOTO 88/100
- BOOK 16.5%
- CHARTER 0.36%
- NCUSIF 0.37%
- CAMELS $8.8M
- HEALTH 1,209
- NW #1,404/4,374
- DELQ n/a
- ROA 24432
Call Report peers
Natural State carries $8.8M 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.
Natural State 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
88 Top 35% higher than 65% 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
Natural State - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24432, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Natural State diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 76.63% vs peer 63.60% (+13.03 pp).
- Net Worth Ratio trails the peer set - 16.52% here, 19.06% peer average (-2.54 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Arkansas standing for Natural State
- In Arkansas, health place is #14 of 48 on the same NCUA-ratio sort used nationally.
- Arkansas assets place: #32 of 48.
- Membership ranks #34 of 48 among Arkansas CUs with a reported count (1,209 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.
Natural State Call Report trajectory
Natural State: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $8.8M (2025Q4) to $9.1M (2026Q1).
- Net-worth ratio shifted -0.31 pp (16.83% → 16.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.1 pts
- Member Growth 4.8 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for Natural State
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.52% | -2.54 pp |
| Delinquency Rate | 0.36% | -1.45 pp |
| Return on Assets | 0.37% | -0.08 pp |
| Member Growth | -2.34% | - |
| Loan-to-Share Ratio | 76.63% | +13.03 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).
Natural State filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.1M | - |
| 2025Q4 | $8.8M | 1,209 |
| 2024Q4 | $8.6M | 1,238 |
| 2023Q4 | $8.2M | 1,284 |
Credit Union Details
- Charter Number
- 24432
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Arkansas
- City
- SEARCY
- Data Quarter
- 2025Q4
Branch Location
Natural State operates a single office in SEARCY, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| NATURAL STATE FEDERAL CREDIT UNION (Main Office) | SEARCY, AR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arkansas
Other federally-insured credit unions in Arkansas, closest first by peer group and asset size.
Natural State nationwide neighbourhoods
Two NCUA Call Report peer sets for Natural State, both outside Arkansas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Natural State ranks #1,404 of 4,374 nationally on financial health and #14 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COMBINED is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COMBINED
- 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 Natural State financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Natural State carries a financial health score of 88/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,404 of 4,374; by total assets it ranks #3,618 of 4,374 nationally (same basis as /rankings/largest); and #32 of 48 within Arkansas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.52% net worth ratio and a 0.36% delinquency rate.
How does Natural State compare to other credit unions?
PlainCU's health composite puts Natural State at 88/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Natural State?
Natural State 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 Natural State directly for the exact boundaries and application steps.
Is my money safe at Natural State?
Federal credit unions like Natural State 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. Natural State's net worth ratio of 16.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Natural State offer compared to banks?
Credit unions like Natural State 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 Natural State 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.