Federal credit union · MENA, Arkansas · NCUA charter #18343
Usem Mena
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $1.6M
- Total assets
- 393
- Members
- 33.8%
- Net-worth ratio
Usem Mena scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.6M; members 393; net-worth ratio 33.75%; health rank #2,804 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,804 of 4,374 health · 2025Q4Usem Mena · health 79/100 · $1.6M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Usem Mena vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Usem Mena sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Usem Mena: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 111.54% here, 52.70% peer average (+58.84 pp).
Usem Mena in Arkansas
- Health composite ranks #30 of 48 among scored Arkansas credit unions.
- Assets rank #47 of 48 inside Arkansas ($1.6M reported).
- Membership ranks #47 of 48 among Arkansas CUs with a reported count (393 members).
- One place up in Arkansas, River Valley Community (#29) scores 80/100, 1 point higher; one place down, Arkansas Education Association (#31) ties at 79/100.
Quarter path for Usem Mena
Usem Mena: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $1.6M (2025Q4) to $1.7M (2026Q1).
- Net-worth ratio shifted -0.66 pp (34.41% → 33.75%).
33.75% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
Usem Mena gives up 21 points in total. Member Growth costs the most, 12.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.8 pts
- Loan-to-Share Ratio 6.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 33.75% | +10.82 pp |
| Delinquency Rate | 0.12% | -4.36 pp |
| Return on Assets | 1.25% | +1.03 pp |
| Member Growth | -3.44% | - |
| Loan-to-Share Ratio | 111.54% | +58.84 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Usem Mena quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.7M | - |
| 2025Q4 | $1.6M | 393 |
| 2024Q4 | $1.8M | 407 |
| 2023Q4 | $2.0M | 409 |
Credit Union Details
- Charter Number
- 18343
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Arkansas
- City
- MENA
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Usem Mena runs one office.
| Office | City |
|---|---|
| USEM Mena Federal Credit Union (Main Office) | Mena, 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.
- NORTH LITTLE ROCK EDUCATORSNorth Little Ro, AR · Under $2M93Health
- ARKANSAS AM & N COLLEGEPine Bluff, AR · $2M–$10M82Health
- U.P. EMPLOYEESNORTH LITTLE RO, AR · $2M–$10M60Health
- ARKANSAS TEACHERSLIttle Rock, AR · $2M–$10M70Health
- PEOPLE TRUST COMMUNITYNorth Little Ro, AR · $2M–$10M24Health
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Usem Mena ranks #2,804 of 4,374 nationally on financial health and #30 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- North Little Rock Educators is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with North Little Rock Educators
Frequently Asked Questions
Is Usem Mena financially healthy?
On its 2025Q4 NCUA 5300 filing, Usem Mena scores 79/100 (Very Good), with a 33.75% net worth ratio and 0.12% of loans delinquent. It ranks #2,804 of 4,374 nationally on health and #30 of 48 in Arkansas.
How does Usem Mena compare to other credit unions?
Usem Mena scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (111.54% vs 52.70%).
How can I join Usem Mena?
Usem Mena 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 Usem Mena directly for the exact boundaries and application steps.
Is my money safe at Usem Mena?
Usem Mena 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. Usem Mena's net worth ratio of 33.75% 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.