Federal credit union · NORTH LITTLE RO, Arkansas · NCUA charter #24435
U.P. Employees
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $2.5M
- Total assets
- 919
- Members
- 12.3%
- Net-worth ratio
U.P. Employees scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.5M; members 919; net-worth ratio 12.34%; health rank #4,059 of 4,374; healthier than 7th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,059 of 4,374 health · 2025Q4U.P. Employees · health 60/100 · $2.5M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
U.P. Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); U.P. Employees sits in 60-64 with 179 others.
60 7th percentile higher than 7% 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
U.P. Employees: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 70.84% here, 63.60% peer average (+7.24 pp).
- Net Worth Ratio trails the peer set - 12.34% here, 19.06% peer average (-6.72 pp).
U.P. Employees in Arkansas
- In Arkansas, health place is #46 of 48 on the same NCUA-ratio sort used nationally.
- Assets rank #45 of 48 inside Arkansas ($2.5M reported).
- Member book place in Arkansas: #37 of 48.
- One place up in Arkansas, Cotton Belt (#45) ties at 60/100; one place down, Two Rivers (#47) scores 46/100, 14 points lower.
Quarter path for U.P. Employees
U.P. Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.4% from $2.5M (2025Q4) to $2.5M (2026Q1).
- Net-worth ratio shifted -1.88 pp (14.22% → 12.34%).
At 12.34%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 60/100 score is built
U.P. Employees gives up 40 points in total. Delinquency Rate costs the most, 19.1 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 5.9 pts
- Return on Assets 0.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for U.P. Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.34% | -6.72 pp |
| Delinquency Rate | 3.05% | +1.24 pp |
| Return on Assets | -5.33% | -5.79 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 70.84% | +7.24 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.5M | - |
| 2025Q4 | $2.5M | 919 |
| 2024Q4 | $2.9M | 919 |
| 2023Q4 | $3.1M | 687 |
Credit Union Details
- Charter Number
- 24435
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Arkansas
- City
- NORTH LITTLE RO
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for U.P. Employees.
| Office | City |
|---|---|
| U.P. Employees FCU (Main Office) | North Little Rock, AR |
| U.P Employees FCU | North Little Rock, 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.
- ARKANSAS TEACHERSLIttle Rock, AR · $2M–$10M70Health
- PEOPLE TRUST COMMUNITYNorth Little Ro, AR · $2M–$10M24Health
- ARKANSAS AM & N COLLEGEPine Bluff, AR · $2M–$10M82Health
- ARKANSAS KRAFT EMPLOYEESMorrilton, AR · $2M–$10M88Health
- COOPERATIVE EXTENSION SERVICELITTLE ROCK, AR · $2M–$10M72Health
U.P. Employees nationwide neighbourhoods
Similar health score
Using this data
- U.P. Employees ranks #4,059 of 4,374 nationally on financial health and #46 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Arkansas Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Arkansas Teachers
Frequently Asked Questions
Is U.P. Employees financially healthy?
U.P. Employees has a financial health score of 60/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,059 of 4,374 nationally on health and #46 of 48 in Arkansas. Its net worth ratio is 12.34% and its delinquency rate 3.05%.
How does U.P. Employees compare to other credit unions?
U.P. Employees scores 60/100, higher than 7% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (70.84% vs 63.60%). Its widest shortfall is net worth ratio (12.34% vs 19.06%).
How can I join U.P. Employees?
U.P. Employees 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 U.P. Employees directly for the exact boundaries and application steps.
Is my money safe at U.P. Employees?
U.P. Employees 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. U.P. Employees's net worth ratio of 12.34% 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.