Federal credit union · North Little Ro, Arkansas · NCUA charter #24434
North Little Rock Educators
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $627K
- Total assets
- 280
- Members
- 15.0%
- Net-worth ratio
North Little Rock Educators - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24434: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
North Little Rock 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)80
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)87
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
15.01% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.01% | 30% |
| Delinquency Rate | 1.00% | 25% |
| Return on Assets | 1.57% | 15% |
| Member Growth | 6.06% | 15% |
| Loan-to-Share Ratio | 61.51% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $627K | 280 |
| 2024Q4 | $800K | 264 |
| 2023Q4 | $804K | 280 |
Credit Union Details
- Charter Number
- 24434
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- Under $2M
- State
- Arkansas
- City
- North Little Ro
- Data Quarter
- 2025Q4
What This Data Says About North Little Rock Educators
Charter #24434, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's North Little Rock Educators, a federal credit union in North Little Ro, Arkansas with 280 members, $627K in total assets, and $304K in outstanding loans as of Q4 2025. The five-factor composite scores it 93/100 (Excellent), helped by a net worth ratio of 15.01% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 1.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers - and a 61.51% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.57% on net income of $10K 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 6.06%. 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 North Little Rock Educators financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - North Little Rock Educators's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.01% net worth ratio and 1.00% delinquency rate are the key drivers.
How does North Little Rock Educators compare to other credit unions?
PlainCU's health composite puts North Little Rock Educators at 93/100, compared to a peer group average for Under $2M 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 North Little Rock Educators?
North Little Rock 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 North Little Rock Educators directly to confirm eligibility.
Is my money safe at North Little Rock Educators?
Federal credit unions like North Little Rock 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. North Little Rock Educators's net worth ratio of 15.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does North Little Rock Educators offer compared to banks?
Credit unions like North Little Rock 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 North Little Rock 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.