Side-by-side · Q2 2026 data
Combined Federal Credit Union vs Natural State Federal Credit Union
Credit union
Combined Federal Credit Union
Hot Springs, Arkansas · Under $100 million in assets
Credit union
Natural State Federal Credit Union
Searcy, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Combined Federal Credit Union | Natural State Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 86 (stronger) |
| Capital cushion | 87 | 100 (stronger) |
| Loan quality | 31 | 88 (stronger) |
| Earnings | 77 (stronger) | 62 |
| Funding & liquidity | 73 | 78 (stronger) |
| Problem-loan coverage | 78 | 97 (stronger) |
| Peer percentile | 36th | 80th |
| Total assets | $8.9M | $8.8M |
| Deposits / shares | $7.6M | $7.1M |
| Capital ratio | 13.71% | 17.40% (stronger) |
| Problem loans | 2.08% | 0.36% (stronger) |
| Net charge-offs | -0.05% (stronger) | -0.02% |
| Return on assets | 1.43% (stronger) | 1.04% |
| Loans ÷ deposits | 87.6% | 82.3% (stronger) |
| Uninsured deposits | 1.2% | 0.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Natural State Federal Credit Union has the higher TellerScore (86 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Combined Federal Credit Union leads on 2 and Natural State Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.