Federal credit union · FAYETTEVILLE, Arkansas · NCUA charter #195
Northwest Arkansas
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $20.0M
- Total assets
- 2,323
- Members
- 9.1%
- Net-worth ratio
Northwest Arkansas scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.0M; members 2,323; net-worth ratio 9.07%; health rank #1,167 of 4,374; healthier than 73rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,167 of 4,374 health · 2025Q4Northwest Arkansas · health 90/100 · $20.0M · 2025Q4
- MEM 90/100
- RANK 9.1%
- PHOTO 0.72%
- BOOK 0.68%
- CHARTER $20.0M
- NCUSIF 2,323
- CAMELS #1,167/4,374
- HEALTH Tri State Rail
- NW 195
Call Report peers
Northwest Arkansas in the assets neighbourhood
Northwest Arkansas's $20.0M assets sit next to Tri State Rail ($20.0M) 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.
Northwest Arkansas 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
90 Top 27% higher than 73% 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
Northwest Arkansas - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #195: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Northwest Arkansas diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 65.19% vs peer 59.80% (+5.39 pp).
- Net Worth Ratio trails the peer set - 9.07% here, 14.86% peer average (-5.79 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Arkansas standing for Northwest Arkansas
- Health composite ranks #9 of 48 among scored Arkansas credit unions.
- By total assets, Northwest Arkansas is #22 of 48 in Arkansas.
- Arkansas membership ordinal: #23 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 Northwest Arkansas
Northwest Arkansas: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $20.0M (2025Q4) to $20.3M (2026Q1).
- Net-worth ratio shifted +0.10 pp (8.97% → 9.07%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.07% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 27.7 pts
- Delinquency Rate 22.8 pts
- Return on Assets 15.0 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 13.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.07% | -5.79 pp |
| Delinquency Rate | 0.72% | -0.42 pp |
| Return on Assets | 0.68% | -0.02 pp |
| Member Growth | 1.31% | - |
| Loan-to-Share Ratio | 65.19% | +5.39 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).
Northwest Arkansas filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.3M | - |
| 2025Q4 | $20.0M | 2,323 |
| 2024Q4 | $18.8M | 2,293 |
| 2023Q4 | $16.1M | 2,275 |
Credit Union Details
- Charter Number
- 195
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Arkansas
- City
- FAYETTEVILLE
- Data Quarter
- 2025Q4
Branch Location
Northwest Arkansas operates a single office in Fayetteville, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Noarthwest Arkanasas Federal Credit Union (Main Office) | Fayetteville, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Northwest Arkansas - kept outside Arkansas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($20.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Northwest Arkansas ranks #1,167 of 4,374 nationally on financial health and #9 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LION
- 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 Northwest Arkansas financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Northwest Arkansas carries a financial health score of 90/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,167 of 4,374; by total assets it ranks #3,156 of 4,374 nationally (same basis as /rankings/largest); and #22 of 48 within Arkansas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.07% net worth ratio and a 0.72% delinquency rate.
How does Northwest Arkansas compare to other credit unions?
Northwest Arkansas scores 90/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Northwest Arkansas?
Northwest Arkansas 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 Northwest Arkansas directly for the exact boundaries and application steps.
Is my money safe at Northwest Arkansas?
Federal credit unions like Northwest Arkansas 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. Northwest Arkansas's net worth ratio of 9.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northwest Arkansas offer compared to banks?
Credit unions like Northwest Arkansas 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 Northwest Arkansas 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.