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
Call Report peers
Northwest Arkansas in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Northwest Arkansas sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Arkansas, MIL-WAY (#8) ties at 90/100; one place down, SUCCESS (#10) scores 89/100, 1 point lower.
Quarter path for Northwest Arkansas
Northwest Arkansas: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $20.0M (2025Q4) to $20.3M (2026Q1).
- Net-worth ratio shifted +0.10 pp (8.97% → 9.07%).
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
Northwest Arkansas gives up 10 points in total. Member Growth costs the most, 4.4 of its 15; Return on Assets scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Northwest Arkansas financially healthy?
On its 2025Q4 NCUA 5300 filing, Northwest Arkansas scores 90/100 (Excellent), with a 9.07% net worth ratio and 0.72% of loans delinquent. It ranks #1,167 of 4,374 nationally on health and #9 of 48 in Arkansas.
How does Northwest Arkansas compare to other credit unions?
Northwest Arkansas scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (65.19% vs 59.80%). Its widest shortfall is net worth ratio (9.07% vs 14.86%).
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?
Northwest Arkansas 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. Northwest Arkansas's net worth ratio of 9.07% 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.