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Arkansas Credit Union Performance
How the 49 credit unions based in Arkansas are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Arkansas's 49 credit unions serve 381,485 members and hold $5.35B in combined assets. The median Arkansas credit union earned a 0.56% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Arkansas credit unions was -1.49%, compared with -0.55% nationally. Median one-year asset growth was 0.35%, compared with 2.78% nationally. So far this year, one Arkansas credit union has completed a merger. Figures are from the Q1 2026 NCUA Call Report.
Arkansas at a glance
Arkansas vs. the United States
System totals are the sum of every credit union based in Arkansas. The share column is Arkansas's portion of the national figure.
| Measure | Arkansas | United States | Arkansas share |
|---|---|---|---|
| Credit unions | 49 | 4,335 | 1.1% |
| Members | 381,485 | 147,031,529 | 0.3% |
| Residents (population) | 3,088,354 | 340,110,988 | 0.9% |
| Total assets | $5.35B | $2,507.50B | 0.2% |
| Total loans | $3.86B | $1,744.86B | 0.2% |
| Total shares & deposits | $4.33B | $2,143.21B | 0.2% |
| Total net worth | $678.2M | $282.23B | 0.2% |
| Mergers year-to-date | 1 | 27 | — |
Membership reach. Arkansas credit unions report about 12 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Arkansas credit unions serve members in other states, so it overstates true in-state penetration.)
The median Arkansas credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Arkansas CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.56% | 0.66% |
| Net worth ratio | 16.33% | 12.44% |
| Loan-to-share ratio | 72.24% | 67.86% |
| Delinquency ratio | 0.72% | 0.63% |
| Net charge-off ratio | 0.18% | 0.33% |
| Cost of funds | 0.90% | 1.05% |
| Member growth (1 yr) | -1.49% | -0.55% |
| Asset growth (1 yr) | 0.35% | 2.78% |
| Loan growth (1 yr) | -2.13% | 0.63% |
| Share growth (1 yr) | -0.66% | 2.36% |
| Net worth growth (1 yr) | 5.53% | 5.57% |
Trends over time
The median Arkansas credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.81% · 0.72%
— Arkansas ‑‑ U.S.
Net worth ratio 16.06% · 12.46%
— Arkansas ‑‑ U.S.
Loan-to-share ratio 75.40% · 69.70%
— Arkansas ‑‑ U.S.
Delinquency ratio 0.77% · 0.72%
— Arkansas ‑‑ U.S.
Asset growth (1 yr) 1.05% · 3.26%
— Arkansas ‑‑ U.S.
Member growth (1 yr) -0.27% · -0.52%
— Arkansas ‑‑ U.S.
Arkansas leaderboards
Largest by assets
- 1 Arkansas Credit Union $3.05B
- 2 Telcoe Credit Union $501.2M
- 3 Northeast Arkansas Credit Union $217.2M
- 4 Mil-Way Credit Union $190.0M
- 5 Arkansas Best Credit Union $144.9M
- 6 Fairfield Credit Union $99.0M
- 7 Potlatch Credit Union $94.7M
- 8 UARK Credit Union $81.3M
- 9 Diamond Lakes Credit Union $81.0M
- 10 Crossett Paper Mills Employee Credit Union $80.7M
Highest return on assets
- 1 Fairfield Credit Union 2.33%
- 2 Pine Credit Union 1.35%
- 3 Arkansas Credit Union 1.28%
- 4 Northeast Arkansas Credit Union 1.23%
- 5 UARK Credit Union 1.17%
- 6 River Valley Community Credit Union 0.92%
- 7 Telcoe Credit Union 0.89%
- 8 Arkansas Best Credit Union 0.80%
- 9 Pine Bluff Cotton Belt Credit Union 0.69%
- 10 Mil-Way Credit Union 0.64%
Fastest-growing (organic)
- 1 Hurricane Creek Employees Credit Union 19.65%
- 2 Potlatch Credit Union 7.41%
- 3 Mil-Way Credit Union 5.64%
- 4 Northeast Arkansas Credit Union 5.19%
- 5 River Valley Community Credit Union 4.80%
- 6 Telcoe Credit Union 4.73%
- 7 Diamond Lakes Credit Union 2.93%
- 8 Fairfield Credit Union 1.45%
- 9 Pine Credit Union 0.35%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Arkansas that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.