Usem Mena Federal Credit Union (NCUA charter #18343) is based in Mena, Arkansas. Its Q2 2026 call report shows $1.8M in total assets and $1.2M in member shares and deposits and 1 office.
Usem Mena Federal Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 2,479 credit unions with under $100 million in assets. Among 46 credit unions headquartered in Arkansas, it ranks 8th. Capital cushion contributes the most (100/100, 32.39%); funding & liquidity contributes the least (52/100, 108% loans-to-deposits, 0% uninsured).
TellerScore · Q2 2026
Scorecard
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 (87 → 89), mostly because the funding & liquidity component weakened by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 87 |
| Q4 2024 | 88 |
| Q1 2025 | 85 |
| Q2 2025 | 87 |
| Q3 2025 | 85 |
| Q4 2025 | 82 |
| Q1 2026 | 87 |
| Q2 2026 | 89 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 28.55% |
| Q3 2024 | 28.30% |
| Q4 2024 | 30.16% |
| Q1 2025 | 29.23% |
| Q2 2025 | 29.83% |
| Q3 2025 | 32.23% |
| Q4 2025 | 34.41% |
| Q1 2026 | 33.75% |
| Q2 2026 | 32.39% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.23% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.20% |
| Q3 2025 | 0.21% |
| Q4 2025 | 0.12% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.43% |
| Q3 2024 | 0.65% |
| Q4 2024 | 1.13% |
| Q1 2025 | 0.77% |
| Q2 2025 | 1.01% |
| Q3 2025 | 0.97% |
| Q4 2025 | 0.85% |
| Q1 2026 | 1.35% |
| Q2 2026 | 1.59% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 89 | $1.8M | 32.39% | 0.00% | 1.59% | 108.3% |
| Q1 2026 | 87 | $1.7M | 33.75% | 0.00% | 1.35% | 118.2% |
| Q4 2025 | 82 | $1.6M | 34.41% | 0.12% | 0.85% | 111.5% |
| Q3 2025 | 85 | $1.7M | 32.23% | 0.21% | 0.97% | 90.6% |
| Q2 2025 | 87 | $1.9M | 29.83% | 0.20% | 1.01% | 83.5% |
| Q1 2025 | 85 | $1.9M | 29.23% | 0.35% | 0.77% | 77.4% |
| Q4 2024 | 88 | $1.8M | 30.16% | 0.23% | 1.13% | 77.0% |
| Q3 2024 | 87 | $1.9M | 28.30% | 0.00% | 0.65% | 76.4% |
| Q2 2024 | 85 | $1.9M | 28.55% | 0.06% | 0.43% | 75.2% |
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).
Similar-size credit unions in Arkansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Arkansas Teachers Federal Credit UnionCredit union LIttle Rock, AR | 46 out of 100, Below average | $2.4M | 11.3% | 11.22% | vs |
| U.P. Employees Federal Credit UnionCredit union North Little Ro, AR | 41 out of 100, Below average | $2.6M | 9.7% | 2.32% | vs |
| North Little Rock Educators Federal Credit UnionCredit union North Little Ro, AR | 37 out of 100, Low | $553K | 12.0% | 21.98% | vs |
| Fair Break Federal Credit UnionCredit union Earle, AR | — out of 100, Not scored | $22 | 100.0% | — | vs |
| Arkansas Kraft Employees Federal Credit UnionCredit union Morrilton, AR | 83 out of 100, Strong | $4.4M | 28.8% | 0.19% | vs |
| Cooperative Extension ServiceCredit union Little Rock, AR | 76 out of 100, Strong | $5.0M | 23.9% | 0.00% | vs |
Deposit insurance
Is my money safe at Usem Mena Federal Credit Union?
Yes. Usem Mena Federal Credit Union is a federally insured credit union (NCUA charter #18343). 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 32.39%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Usem Mena Federal Credit Union lists 1 office in 1 city. Most locations:
- Mena, AR (1)
Identity & history
Profile
- Legal name
- Usem Mena Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 18343
- RSSD ID
- 587480
- Primary regulator
- NCUA
- Established
- 1967
- Headquarters
- 500 Morrow St N, Mena, AR 71953
- Employees
- 1
Quick answers
Usem Mena Federal Credit Union: common questions
Is Usem Mena Federal Credit Union NCUA insured?
Yes. Usem Mena Federal Credit Union is a federally insured credit union (NCUA charter #18343). 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 Usem Mena Federal Credit Union's TellerScore?
89 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 Usem Mena Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Mena
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Union BankBank Mena, AR | 82 out of 100, Strong | $710.2M | 11.4% | 0.26% | vs |
| Chambers BankBank Danville, AR | 81 out of 100, Strong | $1.6B | 12.6% | 0.23% | vs |
| The First National Bank of Fort SmithBank Fort Smith, AR | 78 out of 100, Strong | $2.3B | 11.1% | 0.44% | vs |
| Monument BankBank Poteau, OK | 76 out of 100, Strong | $112.8M | 9.9% | 0.27% | vs |
| Diamond BankBank Murfreesboro, AR | 69 out of 100, Moderate | $957.2M | 10.0% | 0.58% | vs |
| Arvest BankBank Fayetteville, AR | 57 out of 100, Moderate | $28.1B | 9.1% | 0.86% | vs |