TellerScore

Northwest Arkansas Federal Credit Union (NCUA charter #195) is based in Fayetteville, Arkansas. Its Q2 2026 call report shows $19.8M in total assets and $17.8M in member shares and deposits.

Northwest Arkansas Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 32% of its 2,479 credit unions with under $100 million in assets. Among 46 credit unions headquartered in Arkansas, it ranks 30th. Funding & liquidity contributes the most (94/100, 66% loans-to-deposits, 0% uninsured); capital cushion contributes the least (46/100, 9.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Net worth ratio: 9.59%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.91%
Earnings60/100
Return on assets (annualized): 1.01%
Funding & liquidity94/100
Loans ÷ shares: 66.3% · 0.0% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.33%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 66).

TellerScore
626567Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202466
Q3 202466
Q4 202462
Q1 202563
Q2 202565
Q3 202567
Q4 202565
Q1 202665
Q2 202666
Net worth ratio
7.00%8.29%9.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20248.78%
Q3 20248.79%
Q4 20248.58%
Q1 20257.97%
Q2 20258.16%
Q3 20258.34%
Q4 20258.97%
Q1 20269.07%
Q2 20269.59%
Delinquent loans (60+ days)
0.06%0.49%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.16%
Q3 20240.28%
Q4 20240.49%
Q1 20250.12%
Q2 20250.06%
Q3 20250.07%
Q4 20250.72%
Q1 20260.81%
Q2 20260.91%
Return on assets
0.40%0.71%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.83%
Q3 20240.96%
Q4 20240.72%
Q1 20250.44%
Q2 20250.40%
Q3 20250.65%
Q4 20250.90%
Q1 20260.91%
Q2 20261.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$19.8M9.59%0.91%1.01%66.3%
Q1 202665$20.3M9.07%0.81%0.91%63.7%
Q4 202565$20.0M8.97%0.72%0.90%65.2%
Q3 202567$20.6M8.34%0.07%0.65%66.1%
Q2 202565$20.3M8.16%0.06%0.40%67.7%
Q1 202563$20.6M7.97%0.12%0.44%69.6%
Q4 202462$18.8M8.58%0.49%0.72%80.2%
Q3 202466$18.3M8.79%0.28%0.96%86.0%
Q2 202466$17.7M8.78%0.16%0.83%90.1%

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 ratio9.59%
13th
Problem loans0.91%
42nd
Net charge-offs0.63%
23rd
Return on assets1.01%
68th
Loans to deposits66.3%
39th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio8.3%
17th

Similar-size credit unions in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Electric CooperativesCredit union Little Rock, AR94 out of 100, Very strong$18.6M15.2%0.08%vs
L R F D Federal Credit UnionCredit union Little Rock, AR59 out of 100, Moderate$18.4M17.8%6.75%vs
Lion Federal Credit UnionCredit union El Dorado, AR92 out of 100, Very strong$18.0M18.7%0.09%vs
White County Federal Credit UnionCredit union Searcy, AR65 out of 100, Moderate$17.0M17.7%2.58%vs
River Town Federal Credit UnionCredit union Fort Smith, AR76 out of 100, Strong$15.2M14.9%0.24%vs
Dillard'S Federal Credit UnionCredit union Little Rock, AR88 out of 100, Very strong$24.8M13.1%0.06%vs

Deposit insurance

Is my money safe at Northwest Arkansas Federal Credit Union?

Yes. Northwest Arkansas Federal Credit Union is a federally insured credit union (NCUA charter #195). 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 9.59%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Northwest Arkansas Federal Credit Union
Type
Federal credit union
NCUA charter #
195
RSSD ID
909774
Primary regulator
NCUA
Established
1935
Headquarters
1460 North Woolsey Ave, Fayetteville, AR 72703
Employees
5

Quick answers

Northwest Arkansas Federal Credit Union: common questions

Is Northwest Arkansas Federal Credit Union NCUA insured?

Yes. Northwest Arkansas Federal Credit Union is a federally insured credit union (NCUA charter #195). 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 Northwest Arkansas Federal Credit Union's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.