State overview · Q4 2025

Arkansas Credit Unions

All 48 federally-insured credit unions in Arkansas, ranked by financial health, from NCUA 5300 Call Reports.

48
Credit unions
378K
Members
$5.2B
Combined assets
80/100
Avg health
48 CUs · avg health 80/100

Arkansas has 48 federally insured credit unions averaging 80/100 health on NCUA 5300 Call Report aggregates. Combined assets $5.2B; 29 score Excellent (80+). State leader: PATTERSON at 99/100.

  • Mean delinquency rank #48 of 52 (lower DQ better)
  • Mean ROA rank #23 of 52
  • Data vintage 2026-09-06

Arkansas vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

48 33rd of 54 higher than 19 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Arkansas's 48 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)29 CUsGood (60–79)17 CUsFair (40–59)1 CUsWeak (<40)1 CUs

Arkansas Call Report quality, concentrated asset book

Mean NCUA 5300 ratios across 48 federally insured credit unions in Arkansas, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.81%
National rank #48 of 52 · lower DQ better
Mean ROA
0.61%
National rank #23 of 52
Mean loan-to-share
73.6%
Mean net worth 16.3% · well-capitalized (≥7%) 97.9%
Largest CU share of state assets
56.7%
Concentrated book, one charter holds ≥50% of combined Arkansas CU assets · concentration rank #47 of 52 (lower share = more dispersed) · largest by assets on this board: ARKANSAS

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Arkansas is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Arkansas vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Arkansas highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18% 0%0.5%1%1.5%2%2.5% Net worth ratio Delinquency rate Arkansas vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%CA - 12.8%, 0.731%CT - 13.48%, 1.48%DC - 14.99%, 2.364%FL - 12.31%, 0.745%HI - 13.78%, 1.224%IL - 15.55%, 1.098%IA - 15.09%, 1.429%KS - 14.31%, 1.456%LA - 17.25%, 1.888%MD - 13.25%, 1.269%MI - 12.62%, 0.909%MN - 13.98%, 0.886%MO - 11.87%, 1.299%NE - 13.77%, 1.06%NH - 11.15%, 0.746%NJ - 16.56%, 1.74%NY - 14.23%, 1.635%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%AR - 16.34%, 1.809%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Arkansas highlighted.

All Credit Unions in Arkansas

Credit Union Health
PATTERSON ARKADELPHIA 99
Hurricane Creek BENTON 95
Electric Cooperatives LITTLE ROCK 94
North Little Rock Educators North Little Ro 93
LION EL DORADO 92
Arkansas Farm Bureau Little Rock 91
Diamond Lakes Malvern 91
MIL-WAY TEXARKANA 90
Northwest Arkansas FAYETTEVILLE 90
SUCCESS BLYTHEVILLE 89
ARKANSAS Little Rock 88
Arkansas Kraft Employees Morrilton 88
Fort Smith Teachers FORT SMITH 88
Natural State SEARCY 88
PBA Pine Bluff 88
PRIORITY RUSSELLVILLE 88
DILLARD'S LITTLE ROCK 87
TELCOE LITTLE ROCK 87
Arkansas Health Center BENTON 86
UARK Fayetteville 86
Southern Gas LITTLE ROCK 84
UP North Little Ro 84
Alcoa Community BENTON 83
Arkansas Am & N College Pine Bluff 82
Fort Roots NORTH LITTLE RO 82
Arkansas Best FORT SMITH 81
River Town FORT SMITH 81
River Valley Community CAMDEN 80
SUBIACO Subiaco 80
Arkansas Education Association LITTLE ROCK 79
Usem Mena MENA 79
Truservice Community LITTLE ROCK 78
Va Hospital LITTLE ROCK 78
White County SEARCY 75
FAIRFIELD PINE BLUFF 74
TIMBERLINE Crossett 73
Cooperative Extension Service LITTLE ROCK 72
Garland County Educators HOT SPRINGS 71
PINE PINE BLUFF 71
Arkansas Superior WARREN 70
Arkansas Teachers LIttle Rock 70
COMBINED HOT SPRINGS 67
L R F D LITTLE ROCK 67
Baptist Health Little Rock 66
Cotton Belt PINE BLUFF 60
U.P. Employees NORTH LITTLE RO 60
Two Rivers Arkadelphia 46
People Trust Community North Little Ro 24

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.

What This Data Says About Credit Unions in Arkansas

Arkansas is home to 48 federally-insured credit unions collectively serving 378K members with $5.2B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 80/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. PATTERSON of ARKADELPHIA currently leads the cohort with a health score of 99/100, while the full distribution spans 48 institutions ranked below.

The health distribution breaks into four bands: 29 credit unions score 80–100 (Excellent), 17 score 60–79 (Good), 1 score 40–59 (Fair), and 1 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Arkansas's 48 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Arkansas: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($5.2B here).

West Virginia $5.2B North Dakota $5.9B South Dakota $6.0B Nebraska $6.9B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (48 here).

Maine 48 CUs Oregon 48 CUs South Carolina 46 CUs Hawaii 45 CUs

Frequently Asked Questions

How many credit unions are in Arkansas?

There are 48 federally-insured credit unions in Arkansas as of Q4 2025, with a combined 378K members and $5.2B in total assets. That places Arkansas at #49 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Arkansas ranks #39 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Arkansas?

Based on NCUA Q4 2025 data, PATTERSON in ARKADELPHIA ranks highest in Arkansas with a health score of 99/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Arkansas's data

  • PATTERSON in ARKADELPHIA is the healthiest scored credit union in Arkansas at 99/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Arkansas's credit unions rank #48 of 52 nationally on delinquency rate (among the highest) and #23 of 52 on return on assets (mid-pack) -- both factor into the health score above, but they can move independently. National health rankings
  • Arkansas ranks #39 of 54 by average health score and #49 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.