Natural State

SEARCY, AR · 1 · Charter #24432 · www.naturalstatefcu.net
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$8.8M
38th percentile
Members
1,209
43th percentile
Total loans
$5.5M
47th percentile
Total shares
$6.6M
37th percentile

Profitability

Return on assets
1.08%
63th percentile
Net interest margin
4.73%
77th percentile
Efficiency ratio
65.86%
52th percentile
Non-interest income ratio
16.24%
73th percentile

Capital & Risk

Net worth ratio
16.83%
60th percentile
Delinquency rate
0.36%
64th percentile
Net charge-off rate
-0.02%
92th percentile
Loan-to-share
83.80%
81th percentile

Growth

Member growth YoY
-2.34%
40th percentile
Asset growth YoY
2.85%
62th percentile
Loan growth YoY
-11.12%
21th percentile
Share growth YoY
1.41%
56th percentile

Operations

Members / branch
1,209
55th percentile
Assets / member
$7,313
33th percentile
Field of membership penetration
48.36%
64th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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