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
- ASSETS 99/100
- MEM 17.3%
- RANK 0.16%
- PHOTO 2.59%
- BOOK $36.8M
- CHARTER 3,899
- NCUSIF #39/4,374
- CAMELS Social Security
- HEALTH 11902
Call Report peers
PATTERSON in the assets neighbourhood
PATTERSON's $36.8M assets sit next to Social Security ($36.8M) 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.
PATTERSON 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
99 Top 2% higher than 98% 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
PATTERSON - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #11902 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for AR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How PATTERSON's 5300 filing moved
PATTERSON: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $36.8M (2025Q4) to $37.5M (2026Q1).
- Net-worth ratio shifted +0.32 pp (16.95% → 17.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- 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 |
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).
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
Cross-state asset and health neighbours for PATTERSON - kept outside Arkansas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($36.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
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
- 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 PATTERSON financially healthy?
Yes/no aside, the number is 99/100 (Excellent) - PATTERSON's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #39 of 4,374; by total assets it ranks #2,680 of 4,374 nationally (same basis as /rankings/largest); and #18 of 48 within Arkansas. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.27% net worth ratio and 0.16% delinquency rate are the key drivers.
How does PATTERSON compare to other credit unions?
On PlainCU's health composite, PATTERSON lands at 99/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 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?
Federal credit unions like PATTERSON 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. PATTERSON's net worth ratio of 17.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PATTERSON offer compared to banks?
Credit unions like PATTERSON 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 PATTERSON 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.