Fort Smith Teachers Federal Credit Union is a federal credit union headquartered in Fort Smith, Arkansas, in business for about 90 years. At the end of Q2 2026 it reported $13.1M in total assets and $10.0M in member shares and deposits, with 1 office.
Fort Smith Teachers Federal Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 2,479 credit unions with under $100 million in assets. Among 46 credit unions headquartered in Arkansas, it ranks 7th. Capital cushion contributes the most (100/100, 23.56%); earnings contributes the least (60/100, 0.99%).
TellerScore · Q2 2026
Scorecard
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 (93 → 89), mostly because the loan quality component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 88 |
| Q4 2024 | 89 |
| Q1 2025 | 88 |
| Q2 2025 | 93 |
| Q3 2025 | 93 |
| Q4 2025 | 92 |
| Q1 2026 | 86 |
| Q2 2026 | 89 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 20.53% |
| Q3 2024 | 21.40% |
| Q4 2024 | 21.96% |
| Q1 2025 | 22.51% |
| Q2 2025 | 22.29% |
| Q3 2025 | 23.31% |
| Q4 2025 | 23.81% |
| Q1 2026 | 23.69% |
| Q2 2026 | 23.56% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.19% |
| Q1 2025 | 0.12% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.07% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.39% |
| Q2 2026 | 0.31% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.54% |
| Q3 2024 | 0.70% |
| Q4 2024 | 0.88% |
| Q1 2025 | 0.64% |
| Q2 2025 | 1.13% |
| Q3 2025 | 1.11% |
| Q4 2025 | 1.04% |
| Q1 2026 | 0.67% |
| Q2 2026 | 0.99% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 89 | $13.1M | 23.56% | 0.31% | 0.99% | 41.5% |
| Q1 2026 | 86 | $12.9M | 23.69% | 0.39% | 0.67% | 43.6% |
| Q4 2025 | 92 | $12.7M | 23.81% | 0.09% | 1.04% | 46.1% |
| Q3 2025 | 93 | $12.8M | 23.31% | 0.07% | 1.11% | 47.9% |
| Q2 2025 | 93 | $13.2M | 22.29% | 0.03% | 1.13% | 43.2% |
| Q1 2025 | 88 | $12.9M | 22.51% | 0.12% | 0.64% | 43.7% |
| Q4 2024 | 89 | $13.1M | 21.96% | 0.19% | 0.88% | 44.7% |
| Q3 2024 | 88 | $13.2M | 21.40% | 0.24% | 0.70% | 44.9% |
| Q2 2024 | 87 | $13.6M | 20.53% | 0.11% | 0.54% | 41.0% |
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).
Similar-size credit unions in Arkansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Two Rivers Federal Credit UnionCredit union Arkadelphia, AR | 39 out of 100, Low | $13.8M | 12.1% | 3.89% | vs |
| Pba Federal Credit UnionCredit union Pine Bluff, AR | 74 out of 100, Strong | $11.3M | 29.3% | 0.20% | vs |
| River Town Federal Credit UnionCredit union Fort Smith, AR | 76 out of 100, Strong | $15.2M | 14.9% | 0.24% | vs |
| Arkansas Health Center Federal Credit UnionCredit union Benton, AR | 91 out of 100, Very strong | $9.8M | 16.9% | 0.38% | vs |
| White County Federal Credit UnionCredit union Searcy, AR | 65 out of 100, Moderate | $17.0M | 17.7% | 2.58% | vs |
| Combined Federal Credit UnionCredit union Hot Springs, AR | 68 out of 100, Moderate | $8.9M | 13.7% | 2.08% | vs |
Deposit insurance
Is my money safe at Fort Smith Teachers Federal Credit Union?
Yes. Fort Smith Teachers Federal Credit Union is a federally insured credit union (NCUA charter #1248). 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 23.56%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Fort Smith Teachers Federal Credit Union lists 1 office in 1 city. Most locations:
- Fort Smith, AR (1)
Identity & history
Profile
- Legal name
- Fort Smith Teachers Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 1248
- RSSD ID
- 783273
- Primary regulator
- NCUA
- Established
- 1936
- Headquarters
- P. O. Box 3606, Fort Smith, AR 72913
- Employees
- 3
Quick answers
Fort Smith Teachers Federal Credit Union: common questions
Is Fort Smith Teachers Federal Credit Union NCUA insured?
Yes. Fort Smith Teachers Federal Credit Union is a federally insured credit union (NCUA charter #1248). 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 Smith Teachers Federal Credit Union's TellerScore?
89 out of 100 (Very 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 Smith Teachers Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Fort Smith
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Security BankBank Searcy, AR | 92 out of 100, Very strong | $8.6B | 15.6% | 0.14% | vs |
| Farmers BankBank Greenwood, AR | 90 out of 100, Very strong | $288.7M | 16.2% | 0.20% | vs |
| Arkansas Best Federal Credit UnionCredit union Fort Smith, AR | 84 out of 100, Strong | $144.0M | 16.3% | 0.62% | vs |
| Citizens' Bank & Trust Co.Bank Van Buren, AR | 82 out of 100, Strong | $566.4M | 11.8% | 0.20% | vs |
| Chambers BankBank Danville, AR | 81 out of 100, Strong | $1.6B | 12.6% | 0.23% | vs |
| Grand Savings BankBank Grove, OK | 80 out of 100, Strong | $1.0B | 12.0% | 0.63% | vs |