Federal credit union · ARKADELPHIA, Arkansas · NCUA charter #11902
PATTERSON
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $36.8M
- Total assets
- 3,899
- Members
- 17.3%
- Net-worth ratio
PATTERSON scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $36.8M; members 3,899; net-worth ratio 17.27%; health rank #39 of 4,374; healthier than 98th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#39 of 4,374 health · 2025Q4PATTERSON · health 99/100 · $36.8M · 2025Q4
Call Report peers
PATTERSON in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PATTERSON vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PATTERSON sits in 95-99 with 391 others.
99 Top 2% higher than 98% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where PATTERSON diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +23.17 pp (82.97% vs 59.80%).
Where PATTERSON sits in Arkansas
- Health composite ranks #1 of 48 among scored Arkansas credit unions.
- Arkansas assets place: #18 of 48.
- Arkansas membership ordinal: #18 of 48.
- No Arkansas credit union scores higher; the runner-up, Hurricane Creek (#2) scores 95/100, 4 points lower.
How PATTERSON's 5300 filing moved
PATTERSON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $36.8M (2025Q4) to $37.5M (2026Q1).
- Net-worth ratio shifted +0.32 pp (16.95% → 17.27%).
This credit union's 17.27% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 99/100 score is built
PATTERSON gives up 1 points in total. Member Growth costs the most, 1.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.5 pts
- Loan-to-Share Ratio 15.5 pts
Call Report ratios for PATTERSON
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.27% | +2.41 pp |
| Delinquency Rate | 0.16% | -0.99 pp |
| Return on Assets | 2.59% | +1.89 pp |
| Member Growth | 3.75% | - |
| Loan-to-Share Ratio | 82.97% | +23.17 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
PATTERSON quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $37.5M | - |
| 2025Q4 | $36.8M | 3,899 |
| 2024Q4 | $34.0M | 3,758 |
| 2023Q4 | $33.7M | 3,734 |
Credit Union Details
- Charter Number
- 11902
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Arkansas
- City
- ARKADELPHIA
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for PATTERSON.
| Office | City |
|---|---|
| Main Office (Main Office) | Arkadelphia, AR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arkansas
A look at other Arkansas credit unions, ranked by how closely their peer group and asset size match this one.
PATTERSON nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- PATTERSON ranks #39 of 4,374 nationally on financial health and #1 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- UP is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with UP
Frequently Asked Questions
Is PATTERSON financially healthy?
On its 2025Q4 NCUA 5300 filing, PATTERSON scores 99/100 (Excellent), with a 17.27% net worth ratio and 0.16% of loans delinquent. It ranks #39 of 4,374 nationally on health and #1 of 48 in Arkansas.
How does PATTERSON compare to other credit unions?
PATTERSON scores 99/100, higher than 98% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (82.97% vs 59.80%).
How can I join PATTERSON?
PATTERSON 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 PATTERSON directly for the exact boundaries and application steps.
Is my money safe at PATTERSON?
PATTERSON 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. PATTERSON's net worth ratio of 17.27% 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.