TellerScore

Arkansas Education Association Federal Credit Union (NCUA charter #23170) is based in Little Rock, Arkansas. Its Q2 2026 call report shows $8.2M in total assets and $7.1M in member shares and deposits and 2 offices across 2 states.

Arkansas Education Association Federal Credit Union has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 2,479 credit unions with under $100 million in assets. Among 46 credit unions headquartered in Arkansas, it ranks 41st. Funding & liquidity contributes the most (97/100, 64% loans-to-deposits, 0% uninsured); earnings contributes the least (1/100, -0.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Net worth ratio: 12.61%
Loan quality22/100
Loans 60+ days delinquent ÷ total loans: 2.34%
Earnings1/100
Return on assets (annualized): -0.47%
Funding & liquidity97/100
Loans ÷ shares: 63.5% · 0.0% uninsured
Problem-loan coverage81/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.72%

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 11 points (62 → 51), mostly because the earnings component weakened by 35 points.

TellerScore
515865Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202465
Q4 202463
Q1 202564
Q2 202562
Q3 202561
Q4 202561
Q1 202655
Q2 202651
Net worth ratio
7.00%9.95%12.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.43%
Q3 202411.93%
Q4 202412.09%
Q1 202512.12%
Q2 202512.72%
Q3 202512.69%
Q4 202512.89%
Q1 202612.85%
Q2 202612.61%
Delinquent loans (60+ days)
0.98%1.66%2.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.98%
Q3 20241.43%
Q4 20241.73%
Q1 20251.45%
Q2 20251.86%
Q3 20251.80%
Q4 20252.14%
Q1 20261.89%
Q2 20262.34%
Return on assets
-0.90%-0.18%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.90%
Q3 20240.54%
Q4 20240.50%
Q1 20250.33%
Q2 20250.40%
Q3 20250.23%
Q4 20250.42%
Q1 2026-0.57%
Q2 2026-0.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$8.2M12.61%2.34%-0.47%63.5%
Q1 202655$8.1M12.85%1.89%-0.57%66.5%
Q4 202561$8.2M12.89%2.14%0.42%65.4%
Q3 202561$8.1M12.69%1.80%0.23%67.4%
Q2 202562$8.1M12.72%1.86%0.40%66.6%
Q1 202564$8.5M12.12%1.45%0.33%62.9%
Q4 202463$8.4M12.09%1.73%0.50%64.6%
Q3 202465$8.5M11.93%1.43%0.54%63.9%
Q2 202460$8.2M11.43%0.98%-0.90%61.1%

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 ratio12.61%
36th
Problem loans2.34%
17th
Net charge-offs0.09%
58th
Return on assets-0.47%
11th
Loans to deposits63.5%
43rd
Uninsured deposits0.0%
81st
Loan-loss reserves1.20%
85th
Texas ratio9.7%
14th

Similar-size credit unions in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Priority Federal Credit UnionCredit union Russellville, AR60 out of 100, Moderate$7.9M10.4%0.22%vs
VA Hospital Federal Credit UnionCredit union Little Rock, AR69 out of 100, Moderate$8.6M11.2%0.83%vs
Natural State Federal Credit UnionCredit union Searcy, AR86 out of 100, Very strong$8.8M17.4%0.36%vs
Combined Federal Credit UnionCredit union Hot Springs, AR68 out of 100, Moderate$8.9M13.7%2.08%vs
Arkansas Farm Bureau Federal Credit UnionCredit union Little Rock, AR86 out of 100, Very strong$7.4M29.4%1.39%vs
Fort Roots Federal Credit UnionCredit union North Little Ro, AR71 out of 100, Strong$6.9M13.3%1.43%vs

Deposit insurance

Is my money safe at Arkansas Education Association Federal Credit Union?

Yes. Arkansas Education Association Federal Credit Union is a federally insured credit union (NCUA charter #23170). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.61%, well 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

Arkansas Education Association Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Arkansas Education Association Federal Credit Union
Type
Federal credit union
NCUA charter #
23170
RSSD ID
910583
Primary regulator
NCUA
Established
1978
Headquarters
1500 W 4th St, Little Rock, AR 72201
Employees
3

Quick answers

Arkansas Education Association Federal Credit Union: common questions

Is Arkansas Education Association Federal Credit Union NCUA insured?

Yes. Arkansas Education Association Federal Credit Union is a federally insured credit union (NCUA charter #23170). 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 Arkansas Education Association Federal Credit Union's TellerScore?

51 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 Arkansas Education Association Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Little Rock

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
Producers Bank & TrustBank Mcgehee, AR90 out of 100, Very strong$213.2M22.1%0.00%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