Federal credit union · SEARCY, Arkansas · NCUA charter #24428
White County
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $17.2M
- Total assets
- 2,072
- Members
- 16.8%
- Net-worth ratio
White County scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.2M; members 2,072; net-worth ratio 16.77%; health rank #3,245 of 4,374; healthier than 24th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,245 of 4,374 health · 2025Q4White County · health 75/100 · $17.2M · 2025Q4
- PHOTO 75/100
- BOOK 16.8%
- CHARTER 2.64%
- NCUSIF 0.70%
- CAMELS $17.2M
- HEALTH 2,072
- NW #3,245/4,374
- DELQ Buffalo Police
- ROA 24428
Call Report peers
White County in the assets neighbourhood
White County's $17.2M assets sit next to Buffalo Police ($17.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
White County vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
75 24th percentile higher than 24% 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
White County - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24428 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
White County vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 85.67% vs peer 59.80% (+25.87 pp).
- Largest lag: Delinquency Rate at 2.64% vs peer 1.15% (+1.50 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Arkansas standing for White County
- In Arkansas, health place is #34 of 48 on the same NCUA-ratio sort used nationally.
- By total assets, White County is #24 of 48 in Arkansas.
- Arkansas membership ordinal: #26 of 48.
In-state ordinals use the live credit_unions table for AR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
White County: 2025Q4 → 2026Q1
White County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $17.2M (2025Q4) to $17.6M (2026Q1).
- Net-worth ratio shifted -0.21 pp (16.98% → 16.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.77% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.5 pts
- Return on Assets 15.0 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 15.3 pts
White County health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.77% | +1.91 pp |
| Delinquency Rate | 2.64% | +1.50 pp |
| Return on Assets | 0.70% | -0.01 pp |
| Member Growth | -1.57% | - |
| Loan-to-Share Ratio | 85.67% | +25.87 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
White County filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.6M | - |
| 2025Q4 | $17.2M | 2,072 |
| 2024Q4 | $17.5M | 2,105 |
| 2023Q4 | $16.7M | 2,472 |
Credit Union Details
- Charter Number
- 24428
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Arkansas
- City
- SEARCY
- Data Quarter
- 2025Q4
Branch Location
White County operates a single office in Searcy, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| White County FCU (Main Office) | Searcy, 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.
Cross-state Call Report peers for White County
Cross-state asset and health neighbours for White County - kept outside Arkansas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($17.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- White County ranks #3,245 of 4,374 nationally on financial health and #34 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LION
- Rates and health both vary by institution, not just by state -- see how Arkansas credit unions compare overall before assuming this one is typical. Arkansas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is White County financially healthy?
White County scores 75/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,245 of 4,374; by total assets it ranks #3,235 of 4,374 nationally (same basis as /rankings/largest); and #24 of 48 within Arkansas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.77% net worth ratio and a 2.64% delinquency rate.
How does White County compare to other credit unions?
White County scores 75/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 White County?
White County serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact White County directly for the current list of qualifying groups.
Is my money safe at White County?
Federal credit unions like White County 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. White County's net worth ratio of 16.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does White County offer compared to banks?
Credit unions like White County 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 White County directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.