TellerScore

North Little Rock Educators Federal Credit Union is a federal credit union headquartered in North Little Ro, Arkansas, in business for about 70 years. At the end of Q2 2026 it reported $553K in total assets and $481K in member shares and deposits, with 3 offices.

North Little Rock Educators Federal Credit Union has a TellerScore of 37 out of 100 (low) based on Q2 2026 data — higher than only 3% of its 2,479 credit unions with under $100 million in assets. Among 46 credit unions headquartered in Arkansas, it ranks 46th. Funding & liquidity contributes the most (100/100, 52% loans-to-deposits, 0% uninsured); earnings contributes the least (0/100, -22.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Net worth ratio: 12.00%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 21.98%
Earnings0/100
Return on assets (annualized): -22.01%
Funding & liquidity100/100
Loans ÷ shares: 51.7% · 0.0% uninsured
Problem-loan coverage9/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 45.26%

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 49 points (86 → 37), mostly because the problem-loan coverage component weakened by 88 points.

TellerScore
376797Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202497
Q3 202496
Q4 202490
Q1 202590
Q2 202586
Q3 202580
Q4 202575
Q1 202668
Q2 202637
Net worth ratio
7.00%13.51%20.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.66%
Q3 202415.70%
Q4 202415.64%
Q1 202515.66%
Q2 202515.54%
Q3 202516.65%
Q4 202520.01%
Q1 202618.86%
Q2 202612.00%
Delinquent loans (60+ days)
0.00%10.99%21.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.46%
Q1 20250.08%
Q2 20250.48%
Q3 20250.00%
Q4 20251.00%
Q1 20261.35%
Q2 202621.98%
Return on assets
-22.01%-10.14%1.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.73%
Q3 20241.50%
Q4 20241.23%
Q1 20250.86%
Q2 20250.79%
Q3 2025-0.73%
Q4 20250.03%
Q1 2026-3.19%
Q2 2026-22.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202637$553K12.00%21.98%-22.01%51.7%
Q1 202668$638K18.86%1.35%-3.19%53.6%
Q4 202575$627K20.01%1.00%0.03%61.5%
Q3 202580$728K16.65%0.00%-0.73%55.8%
Q2 202586$826K15.54%0.48%0.79%52.8%
Q1 202590$810K15.66%0.08%0.86%54.8%
Q4 202490$800K15.64%0.46%1.23%50.3%
Q3 202496$792K15.70%0.00%1.50%51.0%
Q2 202497$837K14.66%0.00%1.73%54.6%

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 ratio12.00%
32nd
Problem loans21.98%
1st
Net charge-offs0.40%
32nd
Return on assets-22.01%
0th
Loans to deposits51.7%
61st
Uninsured deposits0.0%
81st
Loan-loss reserves21.93%
99th
Texas ratio45.3%
1st

Similar-size credit unions in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Fair Break Federal Credit UnionCredit union Earle, AR— out of 100, Not scored$22100.0%—vs
Usem Mena Federal Credit UnionCredit union Mena, AR89 out of 100, Very strong$1.8M32.4%0.00%vs
Arkansas Teachers Federal Credit UnionCredit union LIttle Rock, AR46 out of 100, Below average$2.4M11.3%11.22%vs
U.P. Employees Federal Credit UnionCredit union North Little Ro, AR41 out of 100, Below average$2.6M9.7%2.32%vs
Arkansas Kraft Employees Federal Credit UnionCredit union Morrilton, AR83 out of 100, Strong$4.4M28.8%0.19%vs
Cooperative Extension ServiceCredit union Little Rock, AR76 out of 100, Strong$5.0M23.9%0.00%vs

Deposit insurance

Is my money safe at North Little Rock Educators Federal Credit Union?

Yes. North Little Rock Educators Federal Credit Union is a federally insured credit union (NCUA charter #24434). 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 12.00%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

North Little Rock Educators Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
North Little Rock Educators Federal Credit Union
Type
Federal credit union
NCUA charter #
24434
RSSD ID
810197
Primary regulator
NCUA
Established
1956
Headquarters
P.O. Box 687, North Little Ro, AR 72115
Employees
1

Quick answers

North Little Rock Educators Federal Credit Union: common questions

Is North Little Rock Educators Federal Credit Union NCUA insured?

Yes. North Little Rock Educators Federal Credit Union is a federally insured credit union (NCUA charter #24434). 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 North Little Rock Educators Federal Credit Union's TellerScore?

37 out of 100 (Low), 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 North Little Rock Educators Federal Credit Union have?

3 offices 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