TellerScore

U.P. Employees Federal Credit Union is a federal credit union headquartered in North Little Ro, Arkansas, in business for about 74 years. At the end of Q2 2026 it reported $2.6M in total assets and $2.5M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, U.P. Employees Federal Credit Union scores 41/100, which we describe as below average. That is higher than only 3% of 2,479 credit unions with under $100 million in assets. Among 46 credit unions headquartered in Arkansas, it ranks 44th. Its strongest component is funding & liquidity (91/100; 69% loans-to-deposits, 0% uninsured), and its lowest is earnings (0/100; -8.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.65%
Loan quality23/100
Loans 60+ days delinquent ÷ total loans: 2.32%
Earnings0/100
Return on assets (annualized): -8.33%
Funding & liquidity91/100
Loans ÷ shares: 69.1% · 0.0% uninsured
Problem-loan coverage72/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 13.80%

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 28 points (69 → 41), mostly because the capital cushion component weakened by 53 points.

TellerScore
415976Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202454
Q4 202453
Q1 202553
Q2 202569
Q3 202571
Q4 202548
Q1 202646
Q2 202641
Net worth ratio
7.00%14.26%21.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202421.51%
Q3 202420.39%
Q4 202419.14%
Q1 202518.01%
Q2 202516.98%
Q3 202515.94%
Q4 202514.22%
Q1 202612.34%
Q2 20269.65%
Delinquent loans (60+ days)
0.45%3.03%5.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.45%
Q3 20243.32%
Q4 20245.61%
Q1 20253.90%
Q2 20251.19%
Q3 20250.76%
Q4 20253.05%
Q1 20262.60%
Q2 20262.32%
Return on assets
-9.51%-6.26%-3.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-3.01%
Q3 2024-3.48%
Q4 2024-4.69%
Q1 2025-4.87%
Q2 2025-5.57%
Q3 2025-5.70%
Q4 2025-6.26%
Q1 2026-9.51%
Q2 2026-8.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202641$2.6M9.65%2.32%-8.33%69.1%
Q1 202646$2.5M12.34%2.60%-9.51%69.1%
Q4 202548$2.5M14.22%3.05%-6.26%70.8%
Q3 202571$2.6M15.94%0.76%-5.70%75.2%
Q2 202569$2.6M16.98%1.19%-5.57%64.0%
Q1 202553$2.7M18.01%3.90%-4.87%52.6%
Q4 202453$2.9M19.14%5.61%-4.69%54.2%
Q3 202454$3.0M20.39%3.32%-3.48%50.8%
Q2 202476$3.0M21.51%0.45%-3.01%46.3%

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 ratio9.65%
14th
Problem loans2.32%
17th
Net charge-offs0.53%
26th
Return on assets-8.33%
1st
Loans to deposits69.1%
35th
Uninsured deposits0.0%
81st
Loan-loss reserves2.20%
91st
Texas ratio13.8%
8th

Similar-size credit unions in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Arkansas Teachers Federal Credit UnionCredit union LIttle Rock, AR46 out of 100, Below average$2.4M11.3%11.22%vs
Usem Mena Federal Credit UnionCredit union Mena, AR89 out of 100, Very strong$1.8M32.4%0.00%vs
Arkansas Kraft Employees Federal Credit UnionCredit union Morrilton, AR83 out of 100, Strong$4.4M28.8%0.19%vs
North Little Rock Educators Federal Credit UnionCredit union North Little Ro, AR37 out of 100, Low$553K12.0%21.98%vs
Cooperative Extension ServiceCredit union Little Rock, AR76 out of 100, Strong$5.0M23.9%0.00%vs
Garland County Educators Federal Credit UnionCredit union Hot Springs, AR69 out of 100, Moderate$5.2M18.0%2.56%vs

Deposit insurance

Is my money safe at U.P. Employees Federal Credit Union?

Yes. U.P. Employees Federal Credit Union is a federally insured credit union (NCUA charter #24435). 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 9.65%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

U.P. Employees Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
U.P. Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
24435
RSSD ID
576493
Primary regulator
NCUA
Established
1952
Headquarters
1000 W 4th St, North Little Ro, AR 72114
Employees
3

Quick answers

U.P. Employees Federal Credit Union: common questions

Is U.P. Employees Federal Credit Union NCUA insured?

Yes. U.P. Employees Federal Credit Union is a federally insured credit union (NCUA charter #24435). 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 U.P. Employees Federal Credit Union's TellerScore?

41 out of 100 (Below average), 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 U.P. Employees Federal Credit Union have?

2 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