Federal credit union · LITTLE ROCK, Arkansas · NCUA charter #24429
Va Hospital
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $8.4M
- Total assets
- 1,537
- Members
- 10.7%
- Net-worth ratio
Va Hospital - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24429, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Va Hospital - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)67
- Member growth0
- Liquidity (loan-to-share)89
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.73% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.73% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.17% | 15% |
| Member Growth | -6.34% | 15% |
| Loan-to-Share Ratio | 62.96% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $8.4M | 1,537 |
| 2024Q4 | $9.0M | 1,641 |
| 2023Q4 | $8.8M | 1,696 |
Credit Union Details
- Charter Number
- 24429
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Arkansas
- City
- LITTLE ROCK
- Data Quarter
- 2025Q4
What This Data Says About Va Hospital
Charter #24429, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Va Hospital, a federal credit union in LITTLE ROCK, Arkansas with 1,537 members, $8.4M in total assets, and $4.7M in outstanding loans as of Q4 2025. The five-factor composite scores it 78/100 (Very Good), helped by a net worth ratio of 10.73% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 0.00% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. The loan-to-share ratio of 62.96% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.17% on net income of $14K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -6.34%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Va Hospital financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Va Hospital carries a financial health score of 78/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.73% net worth ratio and a 0.00% delinquency rate.
How does Va Hospital compare to other credit unions?
PlainCU's health composite puts Va Hospital at 78/100, compared to a peer group average for $2M–$10M 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 Va Hospital?
Va Hospital 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 Va Hospital directly for the exact boundaries and application steps.
Is my money safe at Va Hospital?
Federal credit unions like Va Hospital 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. Va Hospital's net worth ratio of 10.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Va Hospital offer compared to banks?
Credit unions like Va Hospital 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 Va Hospital directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.