TellerScore

Headquartered in Arkadelphia, Arkansas, Patterson Federal Credit Union is a federal credit union with $38.0M in total assets and $31.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1957.

Patterson Federal Credit Union has a TellerScore of 96 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 2,479 credit unions with under $100 million in assets. Among 46 credit unions headquartered in Arkansas, it ranks 1st. Capital cushion contributes the most (100/100, 17.54%); funding & liquidity contributes the least (78/100, 83% loans-to-deposits, 1% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.54%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.08%
Earnings100/100
Return on assets (annualized): 2.26%
Funding & liquidity78/100
Loans ÷ shares: 82.7% · 0.5% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.29%

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 2 points (94 → 96), mostly because the loan quality component improved by 7 points.

TellerScore
929496Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202493
Q3 202496
Q4 202492
Q1 202592
Q2 202594
Q3 202594
Q4 202595
Q1 202696
Q2 202696
Net worth ratio
7.00%12.27%17.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.41%
Q3 202415.11%
Q4 202415.87%
Q1 202516.01%
Q2 202516.20%
Q3 202516.95%
Q4 202516.95%
Q1 202617.27%
Q2 202617.54%
Delinquent loans (60+ days)
0.08%0.34%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.20%
Q4 20240.54%
Q1 20250.60%
Q2 20250.29%
Q3 20250.21%
Q4 20250.16%
Q1 20260.11%
Q2 20260.08%
Return on assets
2.26%2.54%2.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.66%
Q3 20242.76%
Q4 20242.81%
Q1 20252.48%
Q2 20252.49%
Q3 20252.50%
Q4 20252.33%
Q1 20262.51%
Q2 20262.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202696$38.0M17.54%0.08%2.26%82.7%
Q1 202696$37.5M17.27%0.11%2.51%82.4%
Q4 202595$36.8M16.95%0.16%2.33%83.0%
Q3 202594$35.8M16.95%0.21%2.50%85.0%
Q2 202594$36.1M16.20%0.29%2.49%81.3%
Q1 202592$35.1M16.01%0.60%2.48%79.0%
Q4 202492$34.0M15.87%0.54%2.81%78.2%
Q3 202496$34.1M15.11%0.20%2.76%76.5%
Q2 202493$34.0M14.41%0.35%2.66%74.7%

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 ratio17.54%
68th
Problem loans0.08%
82nd
Net charge-offs0.09%
58th
Return on assets2.26%
96th
Loans to deposits82.7%
16th
Uninsured deposits0.5%
58th
Loan-loss reserves0.00%
37th
Texas ratio0.3%
79th

Similar-size credit unions in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Up Federal Credit UnionCredit union North Little Ro, AR79 out of 100, Strong$32.2M22.4%0.89%vs
Baptist Health Federal Credit UnionCredit union Little Rock, AR65 out of 100, Moderate$45.4M23.6%1.84%vs
Subiaco Federal Credit UnionCredit union Subiaco, AR84 out of 100, Strong$27.1M16.1%0.62%vs
Dillard'S Federal Credit UnionCredit union Little Rock, AR88 out of 100, Very strong$24.8M13.1%0.06%vs
Truservice Community Federal Credit UnionCredit union Little Rock, AR59 out of 100, Moderate$52.5M8.8%0.48%vs
Northwest Arkansas Federal Credit UnionCredit union Fayetteville, AR66 out of 100, Moderate$19.8M9.6%0.91%vs

Deposit insurance

Is my money safe at Patterson Federal Credit Union?

Yes. Patterson Federal Credit Union is a federally insured credit union (NCUA charter #11902). 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 0.5% of shares and deposits ($165K) 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 17.54%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Patterson Federal Credit Union
Type
Federal credit union
NCUA charter #
11902
RSSD ID
1016482
Primary regulator
NCUA
Established
1957
Headquarters
124 Wp Malone Dr, Arkadelphia, AR 71923
Employees
10

Quick answers

Patterson Federal Credit Union: common questions

Is Patterson Federal Credit Union NCUA insured?

Yes. Patterson Federal Credit Union is a federally insured credit union (NCUA charter #11902). 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 Patterson Federal Credit Union's TellerScore?

96 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 Patterson Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Arkadelphia

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of DelightBank Delight, AR86 out of 100, Very strong$201.0M13.4%0.29%vs
Clearway Federal Credit UnionCredit union Malvern, AR83 out of 100, Strong$79.6M22.5%0.52%vs
First State BankBank Lonoke, AR77 out of 100, Strong$328.1M11.2%0.00%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
Riverside BankBank Sparkman, AR76 out of 100, Strong$73.9M12.3%0.04%vs
The Malvern National BankBank Malvern, AR71 out of 100, Strong$728.4M9.4%0.09%vs