Federal credit union · Fayetteville, Arkansas · NCUA charter #16946
UARK
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $83.3M
- Total assets
- 7,014
- Members
- 13.0%
- Net-worth ratio
UARK scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $83.3M; members 7,014; net-worth ratio 13.03%; health rank #1,797 of 4,374; healthier than 57th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,797 of 4,374 health · 2025Q4UARK · health 86/100 · $83.3M · 2025Q4
Call Report peers
UARK in the assets neighbourhood
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UARK vs every NCUA-scored credit union
UARK sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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
Peer-gap read for UARK
- Loan-to-Share Ratio leads the peer set - 73.77% here, 62.60% peer average (+11.17 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.59 pp (13.03% vs 13.62%).
UARK: in-state Call Report ranks
- In Arkansas, health place is #20 of 48 on the same NCUA-ratio sort used nationally.
- By total assets, UARK is #8 of 48 in Arkansas.
- Arkansas membership ordinal: #11 of 48.
- One place up in Arkansas, Arkansas Health Center (#19) ties at 86/100; one place down, Southern Gas (#21) scores 84/100, 2 points lower.
UARK Call Report trajectory
UARK: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.4% from $83.3M (2025Q4) to $81.3M (2026Q1).
- Net-worth ratio shifted +0.61 pp (12.42% → 13.03%).
At 13.03%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
UARK gives up 14 points in total. Member Growth costs the most, 13.8 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 1.2 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.03% | -0.59 pp |
| Delinquency Rate | 0.45% | -0.51 pp |
| Return on Assets | 0.77% | +0.11 pp |
| Member Growth | -4.31% | - |
| Loan-to-Share Ratio | 73.77% | +11.17 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
UARK quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $81.3M | - |
| 2025Q4 | $83.3M | 7,014 |
| 2024Q4 | $83.6M | 7,330 |
| 2023Q4 | $82.5M | 7,726 |
Credit Union Details
- Charter Number
- 16946
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Arkansas
- City
- Fayetteville
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for UARK, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Fayetteville, AR |
| Hill Avenue Branch | Fayetteville, AR |
| UAMS Branch | Little Rock, 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.
Other-state peers near UARK
Similar total assets
Using this data
- UARK ranks #1,797 of 4,374 nationally on financial health and #20 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TIMBERLINE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TIMBERLINE
Frequently Asked Questions
Is UARK financially healthy?
UARK has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,797 of 4,374 nationally on health and #20 of 48 in Arkansas. Its net worth ratio is 13.03% and its delinquency rate 0.45%.
How does UARK compare to other credit unions?
UARK scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (73.77% vs 62.60%). Its widest shortfall is net worth ratio (13.03% vs 13.62%).
How can I join UARK?
UARK 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 UARK directly for the exact boundaries and application steps.
Is my money safe at UARK?
UARK 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. UARK's net worth ratio of 13.03% 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.