Federal credit union · Subiaco, Arkansas · NCUA charter #5922
SUBIACO
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $26.9M
- Total assets
- 2,177
- Members
- 16.0%
- Net-worth ratio
SUBIACO scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $26.9M; members 2,177; net-worth ratio 15.95%; health rank #2,707 of 4,374; healthier than 36th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,707 of 4,374 health · 2025Q4SUBIACO · health 80/100 · $26.9M · 2025Q4
Call Report peers
SUBIACO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SUBIACO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SUBIACO sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SUBIACO: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +1.09 pp (15.95% vs 14.86%).
- Largest lag: Loan-to-Share Ratio at 29.67% vs peer 59.80% (-30.13 pp).
Where SUBIACO sits in Arkansas
- In Arkansas, health place is #28 of 48 on the same NCUA-ratio sort used nationally.
- Arkansas assets place: #20 of 48.
- Membership ranks #25 of 48 among Arkansas CUs with a reported count (2,177 members).
- One place up in Arkansas, River Town (#27) scores 81/100, 1 point higher; one place down, River Valley Community (#29) ties at 80/100.
Quarter path for SUBIACO
SUBIACO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $26.9M (2025Q4) to $27.1M (2026Q1).
- Net-worth ratio shifted +0.01 pp (15.94% → 15.95%).
15.95% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
SUBIACO gives up 20 points in total. Member Growth costs the most, 11.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.2 pts
- Return on Assets 15.0 pts
- Member Growth 3.4 pts
- Loan-to-Share Ratio 8.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.95% | +1.09 pp |
| Delinquency Rate | 0.68% | -0.47 pp |
| Return on Assets | 0.82% | +0.11 pp |
| Member Growth | -3.12% | - |
| Loan-to-Share Ratio | 29.67% | -30.13 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
SUBIACO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $27.1M | - |
| 2025Q4 | $26.9M | 2,177 |
| 2024Q4 | $26.8M | 2,247 |
| 2023Q4 | $27.2M | 2,294 |
Credit Union Details
- Charter Number
- 5922
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Arkansas
- City
- Subiaco
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for SUBIACO, spread across 2 cities.
| Office | City |
|---|---|
| Subiaco Main Office (Main Office) | Subiaco, AR |
| Paris Branch Office | Paris, AR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arkansas
More federally-insured credit unions based in Arkansas, ordered by peer group match and asset size.
SUBIACO nationwide neighbourhoods
Using this data
- SUBIACO ranks #2,707 of 4,374 nationally on financial health and #28 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DILLARD'S is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DILLARD'S
Frequently Asked Questions
Is SUBIACO financially healthy?
SUBIACO has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,707 of 4,374 nationally on health and #28 of 48 in Arkansas. Its net worth ratio is 15.95% and its delinquency rate 0.68%.
How does SUBIACO compare to other credit unions?
SUBIACO scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (15.95% vs 14.86%). Its widest shortfall is loan-to-share ratio (29.67% vs 59.80%).
How can I join SUBIACO?
SUBIACO 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 SUBIACO directly for the exact boundaries and application steps.
Is my money safe at SUBIACO?
SUBIACO 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. SUBIACO's net worth ratio of 15.95% 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.