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
Call Report peers
White County in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); White County sits in 75-79 with 502 others.
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 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).
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.
- One place up in Arkansas, Truservice Community (#33) scores 78/100, 3 points higher; one place down, FAIRFIELD (#35) scores 74/100, 1 point lower.
White County: 2025Q4 → 2026Q1
White County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $17.2M (2025Q4) to $17.6M (2026Q1).
- Net-worth ratio shifted -0.21 pp (16.98% → 16.77%).
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
White County gives up 25 points in total. Delinquency Rate costs the most, 16.5 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is White County financially healthy?
On its 2025Q4 NCUA 5300 filing, White County scores 75/100 (Very Good), with a 16.77% net worth ratio and 2.64% of loans delinquent. It ranks #3,245 of 4,374 nationally on health and #34 of 48 in Arkansas.
How does White County compare to other credit unions?
White County scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (85.67% vs 59.80%). Its widest shortfall is delinquency rate (2.64% vs 1.15%).
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?
White County 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. White County's net worth ratio of 16.77% 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.