TellerScore

Fort Roots Federal Credit Union is a federal credit union headquartered in North Little Ro, Arkansas, in business for about 91 years. At the end of Q2 2026 it reported $6.9M in total assets and $5.9M in member shares and deposits, with 1 office.

Fort Roots Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 42% of its 2,479 credit unions with under $100 million in assets. Among 46 credit unions headquartered in Arkansas, it ranks 26th. Funding & liquidity contributes the most (100/100, 43% loans-to-deposits, 5% uninsured); earnings contributes the least (42/100, 0.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Net worth ratio: 13.34%
Loan quality52/100
Loans 60+ days delinquent ÷ total loans: 1.43%
Earnings42/100
Return on assets (annualized): 0.56%
Funding & liquidity100/100
Loans ÷ shares: 43.2% · 5.0% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.93%

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 12 points (83 → 71), mostly because the earnings component weakened by 32 points.

TellerScore
637485Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202481
Q4 202482
Q1 202563
Q2 202583
Q3 202585
Q4 202584
Q1 202674
Q2 202671
Net worth ratio
7.00%10.57%14.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.60%
Q3 202413.82%
Q4 202414.14%
Q1 202513.04%
Q2 202513.74%
Q3 202513.93%
Q4 202513.77%
Q1 202613.39%
Q2 202613.34%
Delinquent loans (60+ days)
0.66%1.55%2.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.80%
Q3 20240.95%
Q4 20240.97%
Q1 20252.45%
Q2 20250.86%
Q3 20250.74%
Q4 20250.67%
Q1 20260.66%
Q2 20261.43%
Return on assets
0.07%0.72%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.85%
Q3 20241.13%
Q4 20241.16%
Q1 20250.95%
Q2 20251.35%
Q3 20251.36%
Q4 20251.18%
Q1 20260.07%
Q2 20260.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$6.9M13.34%1.43%0.56%43.2%
Q1 202674$6.7M13.39%0.66%0.07%44.3%
Q4 202584$6.5M13.77%0.67%1.18%47.3%
Q3 202585$6.4M13.93%0.74%1.36%49.3%
Q2 202583$6.3M13.74%0.86%1.35%50.6%
Q1 202563$6.4M13.04%2.45%0.95%53.2%
Q4 202482$5.8M14.14%0.97%1.16%59.0%
Q3 202481$5.8M13.82%0.95%1.13%61.7%
Q2 202479$5.7M13.60%0.80%0.85%61.2%

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 ratio13.34%
42nd
Problem loans1.43%
30th
Net charge-offs-0.03%
90th
Return on assets0.56%
45th
Loans to deposits43.2%
74th
Uninsured deposits5.0%
21st
Loan-loss reserves0.38%
76th
Texas ratio3.9%
36th

Similar-size credit unions in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Arkansas Farm Bureau Federal Credit UnionCredit union Little Rock, AR86 out of 100, Very strong$7.4M29.4%1.39%vs
Priority Federal Credit UnionCredit union Russellville, AR60 out of 100, Moderate$7.9M10.4%0.22%vs
Southern Gas Federal Credit UnionCredit union Little Rock, AR82 out of 100, Strong$5.7M26.1%0.00%vs
Arkansas Education Association Federal Credit UnionCredit union Little Rock, AR51 out of 100, Below average$8.2M12.6%2.34%vs
Garland County Educators Federal Credit UnionCredit union Hot Springs, AR69 out of 100, Moderate$5.2M18.0%2.56%vs
VA Hospital Federal Credit UnionCredit union Little Rock, AR69 out of 100, Moderate$8.6M11.2%0.83%vs

Deposit insurance

Is my money safe at Fort Roots Federal Credit Union?

Yes. Fort Roots Federal Credit Union is a federally insured credit union (NCUA charter #24430). 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 5.0% of shares and deposits ($295K) 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 13.34%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Fort Roots Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Fort Roots Federal Credit Union
Type
Federal credit union
NCUA charter #
24430
RSSD ID
767095
Primary regulator
NCUA
Established
1935
Headquarters
P.O. Box 733, North Little Ro, AR 72115
Employees
3

Quick answers

Fort Roots Federal Credit Union: common questions

Is Fort Roots Federal Credit Union NCUA insured?

Yes. Fort Roots Federal Credit Union is a federally insured credit union (NCUA charter #24430). 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 Fort Roots Federal Credit Union's TellerScore?

71 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 Fort Roots Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near North Little Ro

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