Side-by-side · Q2 2026 data
Arkansas Kraft Employees Federal Credit Union vs Usem Mena Federal Credit Union
Credit union
Arkansas Kraft Employees Federal Credit Union
Morrilton, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Arkansas Kraft Employees Federal Credit Union | Usem Mena Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 36 | 83 (stronger) |
| Funding & liquidity | 83 (stronger) | 52 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 72nd | 87th |
| Total assets | $4.4M | $1.8M |
| Deposits / shares | $3.1M | $1.2M |
| Capital ratio | 28.77% | 32.39% (stronger) |
| Problem loans | 0.19% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.19% (stronger) |
| Return on assets | 0.39% | 1.59% (stronger) |
| Loans ÷ deposits | 77.2% (stronger) | 108.3% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Usem Mena Federal Credit Union has the higher TellerScore (89 vs 83). On the 6 directional measures above (where higher or lower is clearly better), Arkansas Kraft Employees Federal Credit Union leads on 1 and Usem Mena Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.