Garland County Educators Federal Credit Union
Garland County Educators Federal Credit Union
Overview / Commentary
Garland County Educators Federal Credit Union is headquartered in Hot Springs and is the 42nd largest credit union in the state of Arkansas. It is also the 3,956th largest credit union in the nation. It was established in 1968 and as of March of 2025, it had grown to 2 employees and 741 members at 2 locations. Garland County Educators Federal Credit Union has a B health rating.
Field of Membership Restrictions
Membership in Garland County Educators Federal Credit Union is open to employees of Garland County, Arkansas school district.
See current membership details
Health
B
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Garland County Educators Federal Credit Union has a very low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 18814 |
| Year Chartered | 1968 |
| Employees | 2 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.55% |
| Return on Equity - YTD | 9% |
| Annual Interest Income | $104K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $5.3MM$5.1MM |
| Loans | Q1 2025vs Q1 2024 | $3.7MM$4.1MM |
| Deposits | Q1 2025vs Q1 2024 | $4.4MM$4.3MM |
| Equity Capital | Q1 2025vs Q1 2024 | $901K$796K |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $56K$50K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $73K$315K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |