Overview / Commentary
Natural State Federal Credit Union is headquartered in SEARCY and is the 36th largest credit union in the state of Arkansas. It is also the 3,744th largest credit union in the nation. It was established in 1956 and as of December of 2024, it had grown to 3 employees and 1,238 members at 1 location. Natural State Federal Credit Union's CD rates are 11% higher than the national average, and it has a B 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.
See current membership details
Health
B
Data as of Q4 2024
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. Natural State Federal Credit Union has a very low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 24432 |
| Year Chartered | 1956 |
| Employees | 3 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.38% |
| Return on Equity - YTD | 2.37% |
| Annual Interest Income | $485K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2024vs Q4 2023 | $8.6MM$8.2MM |
| Loans | Q4 2024vs Q4 2023 | $6.2MM$6.9MM |
| Deposits | Q4 2024vs Q4 2023 | $7.1MM$6.7MM |
| Equity Capital | Q4 2024vs Q4 2023 | $1.4MM$1.4MM |
| Loan Loss Allowance | Q4 2024vs Q4 2023 | $6K$10K |
| Unbacked Noncurrent Loans | Q4 2024vs Q4 2023 | $33K$27K |
| Real Estate Owned | Q4 2024vs Q4 2023 | $0$0 |