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
- RANK 80/100
- PHOTO 16.0%
- BOOK 0.68%
- CHARTER 0.82%
- NCUSIF $26.9M
- CAMELS 2,177
- HEALTH #2,707/4,374
- NW Hiwassee River
- DELQ 5922
Call Report peers
SUBIACO in the assets neighbourhood
SUBIACO's $26.9M assets sit next to Hiwassee River ($26.9M) 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.
SUBIACO 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
80 36th percentile higher than 36% 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
SUBIACO - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #5922: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 SUBIACO
SUBIACO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $26.9M (2025Q4) to $27.1M (2026Q1).
- Net-worth ratio shifted +0.01 pp (15.94% → 15.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 |
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).
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
Cross-state asset and health neighbours for SUBIACO - kept outside Arkansas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($26.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
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
- 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 SUBIACO financially healthy?
SUBIACO has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,707 of 4,374; by total assets it ranks #2,940 of 4,374 nationally (same basis as /rankings/largest); and #20 of 48 within Arkansas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.95% and delinquency rate of 0.68%.
How does SUBIACO compare to other credit unions?
PlainCU's health composite puts SUBIACO at 80/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like SUBIACO 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. SUBIACO's net worth ratio of 15.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SUBIACO offer compared to banks?
Credit unions like SUBIACO 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 SUBIACO 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.