Federal credit union · North Little Ro, Arkansas · NCUA charter #24422
UP
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $32.9M
- Total assets
- 2,790
- Members
- 22.0%
- Net-worth ratio
UP scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $32.9M; members 2,790; net-worth ratio 22.02%; health rank #2,047 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,047 of 4,374 health · 2025Q4UP · health 84/100 · $32.9M · 2025Q4
Call Report peers
UP in the assets neighbourhood
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UP vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); UP sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where UP diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +7.16 pp (22.02% vs 14.86%).
- Loan-to-Share Ratio trails the peer set - 58.04% here, 59.80% peer average (-1.76 pp).
UP: in-state Call Report ranks
- In Arkansas, health place is #22 of 48 on the same NCUA-ratio sort used nationally.
- Assets rank #19 of 48 inside Arkansas ($32.9M reported).
- Member book place in Arkansas: #20 of 48.
- One place up in Arkansas, Southern Gas (#21) ties at 84/100; one place down, Alcoa Community (#23) scores 83/100, 1 point lower.
Quarter path for UP
UP: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $32.9M (2025Q4) to $32.8M (2026Q1).
- Net-worth ratio shifted +0.23 pp (21.79% → 22.02%).
At 22.02%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
UP gives up 16 points in total. Member Growth costs the most, 12.2 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.4 pts
- Return on Assets 15.0 pts
- Member Growth 2.8 pts
- Loan-to-Share Ratio 11.8 pts
UP vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.02% | +7.16 pp |
| Delinquency Rate | 0.56% | -0.59 pp |
| Return on Assets | 2.30% | +1.60 pp |
| Member Growth | -3.46% | - |
| Loan-to-Share Ratio | 58.04% | -1.76 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - UP
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $32.8M | - |
| 2025Q4 | $32.9M | 2,790 |
| 2024Q4 | $32.6M | 2,890 |
| 2023Q4 | $30.0M | 2,984 |
Credit Union Details
- Charter Number
- 24422
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Arkansas
- City
- North Little Ro
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for UP.
| Office | City |
|---|---|
| Vine Street (Main Office) | North Little Rock, AR |
| Pike Avenue Branch | North Little Rock, AR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arkansas
Other federally-insured credit unions in Arkansas, closest first by peer group and asset size.
Other-state peers near UP
Similar total assets
Similar health score
Using this data
- UP ranks #2,047 of 4,374 nationally on financial health and #22 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PATTERSON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PATTERSON
Frequently Asked Questions
Is UP financially healthy?
UP has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,047 of 4,374 nationally on health and #22 of 48 in Arkansas. Its net worth ratio is 22.02% and its delinquency rate 0.56%.
How does UP compare to other credit unions?
UP scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (22.02% vs 14.86%). Its widest shortfall is loan-to-share ratio (58.04% vs 59.80%).
How can I join UP?
UP 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 UP directly for the exact boundaries and application steps.
Is my money safe at UP?
UP 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. UP's net worth ratio of 22.02% 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.