Overview / Commentary
901 S Main St
Searcy, AR 72143

Natural State Federal Credit Union is headquartered in SEARCY and is the 39th largest credit union in the state of Arkansas. It is also the 4,608th largest credit union in the nation. It was established in 1956 and as of June of 2018, it had grown to 3 employees and 1,299 members at 1 location. Natural State Federal Credit Union's CD rates are 11% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in Natural State Federal Credit Union is open to Entergy, Classic Colors, Sloan Valve Company, Aromatique, Inc., Green Dental Laboratories, Garreco, Inc., Red Apple Inn, Electrocraft, Land O'Frost, Arkansas Radiology Group, and over 20 local Select Employer Groups.
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Additional 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. Natural State Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #24432
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD1.52%
Return on Equity - YTD8.52%
Annual Interest Income$136.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$5.4MM$5.6MM
LoansQ2 2018vs Q2 2017$4.2MM$3.9MM
DepositsQ2 2018vs Q2 2017$4.4MM$4.7MM
Equity CapitalQ2 2018vs Q2 2017$962.00K$878.00K
Loan Loss AllowanceQ2 2018vs Q2 2017$4.00K$5.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$27.00K$2.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Natural State Federal Credit Union Savings Account Rates

0.25%*$5k*-Thrifty Youth Account
OTHER TIERS: 0.20% Up to $5k
0.20%-$5kChristmas Club Account
0.20%-$5kVacation Club Account
0.20%*$5k*-Regular Share Account
OTHER TIERS: 0.15% $25 - $5k

Natural State Federal Credit Union Checking Account Rates

0.10%$250-Share Draft Account

Natural State Federal Credit Union CD Rates

1.00%$2k$25k12 Month Share Certificate
0.50%$2k$25k6 Month Share Certificate

Natural State Federal Credit Union Locations
Branch Office901 S MAIN STSEARCY, AR 72143

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