Side-by-side · Q2 2026 data
White County Federal Credit Union vs Natural State Federal Credit Union
Credit union
White County Federal Credit Union
Searcy, Arkansas · Under $100 million in assets
Credit union
Natural State Federal Credit Union
Searcy, Arkansas · Under $100 million in assets
Metric by metric
| Measure | White County Federal Credit Union | Natural State Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 86 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 14 | 88 (stronger) |
| Earnings | 59 | 62 (stronger) |
| Funding & liquidity | 80 (stronger) | 78 |
| Problem-loan coverage | 80 | 97 (stronger) |
| Peer percentile | 30th | 80th |
| Total assets | $17.0M | $8.8M |
| Deposits / shares | $13.8M | $7.1M |
| Capital ratio | 17.68% (stronger) | 17.40% |
| Problem loans | 2.58% | 0.36% (stronger) |
| Net charge-offs | 0.15% | -0.02% (stronger) |
| Return on assets | 0.99% | 1.04% (stronger) |
| Loans ÷ deposits | 80.4% (stronger) | 82.3% |
| Uninsured deposits | 0.0% (stronger) | 0.4% |
| 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 65). On the 7 directional measures above (where higher or lower is clearly better), White County Federal Credit Union leads on 3 and Natural State Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.