TellerScore

Headquartered in Morrilton, Arkansas, Arkansas Kraft Employees Federal Credit Union is a federal credit union with $4.4M in total assets and $3.1M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1966.

Arkansas Kraft Employees Federal Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 46 credit unions headquartered in Arkansas, it ranks 15th. Capital cushion contributes the most (100/100, 28.77%); earnings contributes the least (36/100, 0.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 28.77%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.19%
Earnings36/100
Return on assets (annualized): 0.39%
Funding & liquidity83/100
Loans ÷ shares: 77.2% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.36%

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 rose 11 points (72 → 83), mostly because the loan quality component improved by 22 points.

TellerScore
728088Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202477
Q4 202486
Q1 202574
Q2 202572
Q3 202577
Q4 202573
Q1 202678
Q2 202683
Net worth ratio
7.00%17.88%28.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202426.49%
Q3 202427.68%
Q4 202428.14%
Q1 202528.37%
Q2 202528.35%
Q3 202527.92%
Q4 202528.54%
Q1 202628.33%
Q2 202628.77%
Delinquent loans (60+ days)
0.00%0.59%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.07%
Q3 20241.19%
Q4 20240.00%
Q1 20250.00%
Q2 20250.83%
Q3 20250.71%
Q4 20251.14%
Q1 20260.79%
Q2 20260.19%
Return on assets
-1.55%-0.23%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.06%
Q3 20241.09%
Q4 20240.78%
Q1 2025-1.55%
Q2 20250.07%
Q3 20250.42%
Q4 20250.36%
Q1 20260.46%
Q2 20260.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$4.4M28.77%0.19%0.39%77.2%
Q1 202678$4.5M28.33%0.79%0.46%80.9%
Q4 202573$4.4M28.54%1.14%0.36%88.3%
Q3 202577$4.5M27.92%0.71%0.42%86.9%
Q2 202572$4.4M28.35%0.83%0.07%93.8%
Q1 202574$4.3M28.37%0.00%-1.55%99.1%
Q4 202486$4.4M28.14%0.00%0.78%89.6%
Q3 202477$4.5M27.68%1.19%1.09%94.6%
Q2 202488$4.7M26.49%0.07%1.06%88.7%

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 ratio28.77%
93rd
Problem loans0.19%
74th
Net charge-offs0.00%
77th
Return on assets0.39%
36th
Loans to deposits77.2%
23rd
Uninsured deposits0.0%
81st
Loan-loss reserves0.38%
76th
Texas ratio0.4%
77th

Similar-size credit unions in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Cooperative Extension ServiceCredit union Little Rock, AR76 out of 100, Strong$5.0M23.9%0.00%vs
Garland County Educators Federal Credit UnionCredit union Hot Springs, AR69 out of 100, Moderate$5.2M18.0%2.56%vs
Southern Gas Federal Credit UnionCredit union Little Rock, AR82 out of 100, Strong$5.7M26.1%0.00%vs
U.P. Employees Federal Credit UnionCredit union North Little Ro, AR41 out of 100, Below average$2.6M9.7%2.32%vs
Arkansas Teachers Federal Credit UnionCredit union LIttle Rock, AR46 out of 100, Below average$2.4M11.3%11.22%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 Kraft Employees Federal Credit Union?

Yes. Arkansas Kraft Employees Federal Credit Union is a federally insured credit union (NCUA charter #17849). 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 28.77%, 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 Kraft Employees 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 Kraft Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
17849
RSSD ID
532181
Primary regulator
NCUA
Established
1966
Headquarters
336 Highway 113, Morrilton, AR 72110
Employees
3

Quick answers

Arkansas Kraft Employees Federal Credit Union: common questions

Is Arkansas Kraft Employees Federal Credit Union NCUA insured?

Yes. Arkansas Kraft Employees Federal Credit Union is a federally insured credit union (NCUA charter #17849). 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 Kraft Employees Federal Credit Union's TellerScore?

83 out of 100 (Strong), 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 Kraft Employees 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 Morrilton

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Petit Jean State BankBank Morrilton, AR93 out of 100, Very strong$260.0M16.9%0.63%vs
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Telcoe Federal Credit UnionCredit union Little Rock, AR89 out of 100, Very strong$503.4M20.2%0.12%vs
Union BankBank Mena, AR82 out of 100, Strong$710.2M11.4%0.26%vs
Chambers BankBank Danville, AR81 out of 100, Strong$1.6B12.6%0.23%vs