TellerScore

Uark Federal Credit Union is a federal credit union headquartered in Fayetteville, Arkansas, in business for about 61 years. At the end of Q2 2026 it reported $81.9M in total assets and $70.0M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Uark Federal Credit Union scores 82/100, which we describe as strong. That is higher than 70% of 2,479 credit unions with under $100 million in assets. Among 46 credit unions headquartered in Arkansas, it ranks 16th. Its strongest component is problem-loan coverage (97/100; 1.6%), and its lowest is earnings (66/100; 1.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Net worth ratio: 13.18%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.32%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity82/100
Loans ÷ shares: 78.1% · 1.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.63%

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 4 points (78 → 82), mostly because the capital cushion component improved by 15 points.

TellerScore
677583Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202471
Q4 202472
Q1 202577
Q2 202578
Q3 202575
Q4 202579
Q1 202683
Q2 202682
Net worth ratio
7.00%10.09%13.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.05%
Q3 202411.11%
Q4 202411.23%
Q1 202511.41%
Q2 202511.70%
Q3 202512.19%
Q4 202512.42%
Q1 202613.03%
Q2 202613.18%
Delinquent loans (60+ days)
0.21%0.63%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.04%
Q3 20240.48%
Q4 20240.55%
Q1 20250.45%
Q2 20250.27%
Q3 20250.86%
Q4 20250.45%
Q1 20260.21%
Q2 20260.32%
Return on assets
0.75%0.98%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.91%
Q3 20240.75%
Q4 20240.77%
Q1 20251.16%
Q2 20251.04%
Q3 20251.21%
Q4 20251.17%
Q1 20261.20%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$81.9M13.18%0.32%1.15%78.1%
Q1 202683$81.3M13.03%0.21%1.20%76.4%
Q4 202579$83.3M12.42%0.45%1.17%73.8%
Q3 202575$83.0M12.19%0.86%1.21%73.1%
Q2 202578$83.8M11.70%0.27%1.04%71.1%
Q1 202577$84.4M11.41%0.45%1.16%70.6%
Q4 202472$83.6M11.23%0.55%0.77%71.2%
Q3 202471$83.1M11.11%0.48%0.75%75.5%
Q2 202467$82.6M11.05%1.04%0.91%77.1%

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 ratio13.18%
41st
Problem loans0.32%
67th
Net charge-offs0.19%
48th
Return on assets1.15%
74th
Loans to deposits78.1%
22nd
Uninsured deposits1.0%
54th
Loan-loss reserves0.00%
37th
Texas ratio1.6%
57th

Similar-size credit unions in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Timberline Federal Credit UnionCredit union Crossett, AR59 out of 100, Moderate$80.4M19.6%2.22%vs
Clearway Federal Credit UnionCredit union Malvern, AR83 out of 100, Strong$79.6M22.5%0.52%vs
Arkansas Superior Federal Credit UnionCredit union Warren, AR47 out of 100, Below average$90.5M23.5%7.38%vs
Hurricane Creek Federal Credit UnionCredit union Benton, AR64 out of 100, Moderate$72.4M9.8%0.44%vs
Cotton Belt Federal Credit UnionCredit union Pine Bluff, AR57 out of 100, Moderate$70.0M17.0%4.73%vs
Alcoa Community Federal Credit UnionCredit union Benton, AR53 out of 100, Below average$69.5M7.7%0.52%vs

Deposit insurance

Is my money safe at Uark Federal Credit Union?

Yes. Uark Federal Credit Union is a federally insured credit union (NCUA charter #16946). 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 1.0% of shares and deposits ($728K) 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 13.18%, well 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

Uark Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Uark Federal Credit Union reported 68 home-loan applications under HMDA (LEI 2549001CF58X6R5L5L44): 24 originated ($1,870,000 total), 27 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 51.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Uark Federal Credit Union
Type
Federal credit union
NCUA charter #
16946
RSSD ID
396888
Primary regulator
NCUA
Established
1965
Headquarters
P. O. Box 10260, Fayetteville, AR 72703
Employees
22

Quick answers

Uark Federal Credit Union: common questions

Is Uark Federal Credit Union NCUA insured?

Yes. Uark Federal Credit Union is a federally insured credit union (NCUA charter #16946). 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 Uark Federal Credit Union's TellerScore?

82 out of 100 (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 Uark Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fayetteville

InstitutionScoreAssetsCapitalProblem loansCompare
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Chambers BankBank Danville, AR81 out of 100, Strong$1.6B12.6%0.23%vs
Grand Savings BankBank Grove, OK80 out of 100, Strong$1.0B12.0%0.63%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Anstaff BankBank Green Forest, AR79 out of 100, Strong$1.2B10.2%0.14%vs
The First National Bank of Fort SmithBank Fort Smith, AR78 out of 100, Strong$2.3B11.1%0.44%vs