TellerScore

Alcoa Community Federal Credit Union is a federal credit union headquartered in Benton, Arkansas, in business for about 69 years. At the end of Q2 2026 it reported $69.5M in total assets and $63.1M in member shares and deposits, with 2 offices.

Alcoa Community Federal Credit Union has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 12% of its 2,479 credit unions with under $100 million in assets. Among 46 credit unions headquartered in Arkansas, it ranks 40th. Problem-loan coverage contributes the most (89/100, 5.6%); earnings contributes the least (24/100, 0.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion27/100
Net worth ratio: 7.73%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.52%
Earnings24/100
Return on assets (annualized): 0.10%
Funding & liquidity71/100
Loans ÷ shares: 89.2% · 6.0% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.57%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (57 → 53), mostly because the funding & liquidity component weakened by 8 points.

TellerScore
535760Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202457
Q4 202456
Q1 202560
Q2 202557
Q3 202555
Q4 202556
Q1 202658
Q2 202653
Net worth ratio
7.00%7.64%8.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.23%
Q3 20248.29%
Q4 20247.89%
Q1 20257.76%
Q2 20257.70%
Q3 20257.81%
Q4 20257.75%
Q1 20267.82%
Q2 20267.73%
Delinquent loans (60+ days)
0.12%0.32%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.21%
Q3 20240.26%
Q4 20240.29%
Q1 20250.12%
Q2 20250.35%
Q3 20250.42%
Q4 20250.45%
Q1 20260.23%
Q2 20260.52%
Return on assets
0.03%0.14%0.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.16%
Q3 20240.08%
Q4 20240.03%
Q1 20250.23%
Q2 20250.17%
Q3 20250.20%
Q4 20250.25%
Q1 20260.24%
Q2 20260.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$69.5M7.73%0.52%0.10%89.2%
Q1 202658$68.7M7.82%0.23%0.24%86.0%
Q4 202556$68.8M7.75%0.45%0.25%84.8%
Q3 202555$69.1M7.81%0.42%0.20%88.4%
Q2 202557$69.7M7.70%0.35%0.17%81.5%
Q1 202560$68.8M7.76%0.12%0.23%80.1%
Q4 202456$67.1M7.89%0.29%0.03%83.6%
Q3 202457$65.7M8.29%0.26%0.08%87.4%
Q2 202458$66.2M8.23%0.21%0.16%87.7%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio7.73%
4th
Problem loans0.52%
58th
Net charge-offs0.03%
65th
Return on assets0.10%
23rd
Loans to deposits89.2%
10th
Uninsured deposits6.0%
17th
Loan-loss reserves0.00%
37th
Texas ratio5.6%
26th

Similar-size credit unions in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Cotton Belt Federal Credit UnionCredit union Pine Bluff, AR57 out of 100, Moderate$70.0M17.0%4.73%vs
Hurricane Creek Federal Credit UnionCredit union Benton, AR64 out of 100, Moderate$72.4M9.8%0.44%vs
River Valley Community Federal Credit UnionCredit union Camden, AR74 out of 100, Strong$64.3M13.9%1.25%vs
Pine Federal Credit UnionCredit union Pine Bluff, AR80 out of 100, Strong$62.8M24.5%1.49%vs
Clearway Federal Credit UnionCredit union Malvern, AR83 out of 100, Strong$79.6M22.5%0.52%vs
Timberline Federal Credit UnionCredit union Crossett, AR59 out of 100, Moderate$80.4M19.6%2.22%vs

Deposit insurance

Is my money safe at Alcoa Community Federal Credit Union?

Yes. Alcoa Community Federal Credit Union is a federally insured credit union (NCUA charter #11913). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.0% of shares and deposits ($3.8M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 7.73%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Alcoa Community Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Platinum Visa7.99% – 15.99%$0$250.0%

All Alcoa Community Federal Credit Union card terms

Identity & history

Profile

Legal name
Alcoa Community Federal Credit Union
Type
Federal credit union
NCUA charter #
11913
RSSD ID
230786
Primary regulator
NCUA
Established
1957
Headquarters
1125 Military Road, 1125 Military R, Benton, AR 72015
Employees
21

Quick answers

Alcoa Community Federal Credit Union: common questions

Is Alcoa Community Federal Credit Union NCUA insured?

Yes. Alcoa Community Federal Credit Union is a federally insured credit union (NCUA charter #11913). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Alcoa Community Federal Credit Union's TellerScore?

53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Alcoa Community Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Benton

InstitutionScoreAssetsCapitalProblem loansCompare
Electric CooperativesCredit union Little Rock, AR94 out of 100, Very strong$18.6M15.2%0.08%vs
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Arkansas Health Center Federal Credit UnionCredit union Benton, AR91 out of 100, Very strong$9.8M16.9%0.38%vs
Peoples BankBank Sheridan, AR90 out of 100, Very strong$313.8M13.3%0.03%vs
Telcoe Federal Credit UnionCredit union Little Rock, AR89 out of 100, Very strong$503.4M20.2%0.12%vs
Dillard'S Federal Credit UnionCredit union Little Rock, AR88 out of 100, Very strong$24.8M13.1%0.06%vs