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
Call Report peers
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Natural State vs every NCUA-scored credit union
Natural State sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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).
- One place up in Arkansas, Fort Smith Teachers (#13) ties at 88/100; one place down, PRIORITY (#15) ties at 88/100.
Natural State Call Report trajectory
Natural State: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $8.8M (2025Q4) to $9.1M (2026Q1).
- Net-worth ratio shifted -0.31 pp (16.83% → 16.52%).
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
Natural State gives up 12 points in total. Member Growth costs the most, 10.2 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Natural State financially healthy?
On its 2025Q4 NCUA 5300 filing, Natural State scores 88/100 (Excellent), with a 16.52% net worth ratio and 0.36% of loans delinquent. It ranks #1,404 of 4,374 nationally on health and #14 of 48 in Arkansas.
How does Natural State compare to other credit unions?
Natural State scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (76.63% vs 63.60%). Its widest shortfall is net worth ratio (16.52% vs 19.06%).
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?
Natural State 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. Natural State's net worth ratio of 16.52% 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.