White County Federal Credit Union is a federal credit union headquartered in Searcy, Arkansas, in business for about 68 years. At the end of Q2 2026 it reported $17.0M in total assets and $13.8M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, White County Federal Credit Union scores 65/100, which we describe as moderate. That is higher than only 30% of 2,479 credit unions with under $100 million in assets. Among 46 credit unions headquartered in Arkansas, it ranks 32nd. Its strongest component is capital cushion (100/100; 17.68%), and its lowest is loan quality (14/100; 2.58%).
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 fell 19 points (84 → 65), mostly because the loan quality component weakened by 57 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 75 |
| Q4 2024 | 70 |
| Q1 2025 | 82 |
| Q2 2025 | 84 |
| Q3 2025 | 82 |
| Q4 2025 | 67 |
| Q1 2026 | 67 |
| Q2 2026 | 65 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.87% |
| Q3 2024 | 15.45% |
| Q4 2024 | 15.53% |
| Q1 2025 | 15.12% |
| Q2 2025 | 15.85% |
| Q3 2025 | 16.59% |
| Q4 2025 | 16.98% |
| Q1 2026 | 16.77% |
| Q2 2026 | 17.68% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.26% |
| Q3 2024 | 0.97% |
| Q4 2024 | 1.56% |
| Q1 2025 | 0.86% |
| Q2 2025 | 0.86% |
| Q3 2025 | 1.23% |
| Q4 2025 | 2.64% |
| Q1 2026 | 2.29% |
| Q2 2026 | 2.58% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.68% |
| Q1 2025 | 1.20% |
| Q2 2025 | 1.49% |
| Q3 2025 | 1.59% |
| Q4 2025 | 1.40% |
| Q1 2026 | 0.80% |
| Q2 2026 | 0.99% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $17.0M | 17.68% | 2.58% | 0.99% | 80.4% |
| Q1 2026 | 67 | $17.6M | 16.77% | 2.29% | 0.80% | 78.0% |
| Q4 2025 | 67 | $17.2M | 16.98% | 2.64% | 1.40% | 85.7% |
| Q3 2025 | 82 | $17.6M | 16.59% | 1.23% | 1.59% | 84.3% |
| Q2 2025 | 84 | $18.0M | 15.85% | 0.86% | 1.49% | 84.2% |
| Q1 2025 | 82 | $18.3M | 15.12% | 0.86% | 1.20% | 86.7% |
| Q4 2024 | 70 | $17.5M | 15.53% | 1.56% | 0.68% | 93.5% |
| Q3 2024 | 75 | $17.6M | 15.45% | 0.97% | 0.60% | 93.7% |
| Q2 2024 | 72 | $18.1M | 14.87% | 1.26% | 0.60% | 93.5% |
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 |
|---|---|---|---|---|---|
| Lion Federal Credit UnionCredit union El Dorado, AR | 92 out of 100, Very strong | $18.0M | 18.7% | 0.09% | vs |
| L R F D Federal Credit UnionCredit union Little Rock, AR | 59 out of 100, Moderate | $18.4M | 17.8% | 6.75% | vs |
| Electric CooperativesCredit union Little Rock, AR | 94 out of 100, Very strong | $18.6M | 15.2% | 0.08% | vs |
| River Town Federal Credit UnionCredit union Fort Smith, AR | 76 out of 100, Strong | $15.2M | 14.9% | 0.24% | vs |
| Northwest Arkansas Federal Credit UnionCredit union Fayetteville, AR | 66 out of 100, Moderate | $19.8M | 9.6% | 0.91% | vs |
| Two Rivers Federal Credit UnionCredit union Arkadelphia, AR | 39 out of 100, Low | $13.8M | 12.1% | 3.89% | vs |
Deposit insurance
Is my money safe at White County Federal Credit Union?
Yes. White County Federal Credit Union is a federally insured credit union (NCUA charter #24428). 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 17.68%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
White County Federal Credit Union lists 1 office in 1 city. Most locations:
- Searcy, AR (1)
Identity & history
Profile
- Legal name
- White County Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24428
- RSSD ID
- 555292
- Primary regulator
- NCUA
- Established
- 1958
- Headquarters
- 508 W Beebe Capps Expy, Searcy, AR 72143
- Employees
- 6
Quick answers
White County Federal Credit Union: common questions
Is White County Federal Credit Union NCUA insured?
Yes. White County Federal Credit Union is a federally insured credit union (NCUA charter #24428). 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 White County Federal Credit Union's TellerScore?
65 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.
How many branches does White County Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Searcy
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Security BankBank Searcy, AR | 92 out of 100, Very strong | $8.6B | 15.6% | 0.14% | vs |
| Natural State Federal Credit UnionCredit union Searcy, AR | 86 out of 100, Very strong | $8.8M | 17.4% | 0.36% | vs |
| Eagle Bank and Trust CompanyBank Little Rock, AR | 83 out of 100, Strong | $505.7M | 16.4% | 0.65% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| First State BankBank Lonoke, AR | 77 out of 100, Strong | $328.1M | 11.2% | 0.00% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |