Arkansas Best Federal Credit Union
Total assets
$144.9M
▼ -1.8% YoY
Shares & deposits
$121.5M
▼ -3.6% YoY
Loans
$57.3M
▼ -3.1% YoY
Members
11,439
▼ -3.2% YoY
ROA (annualized)
0.81%
peers 0.69%
ROE (annualized)
5.02%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +3.9% | -5.8 pts |
| Share growth (YoY) | -3.5% | +3.3% | -6.8 pts |
| Loan growth (YoY) | -3.1% | +2.9% | -6.1 pts |
| ROA | 0.81% | 0.69% | +0.1 pts |
| ROE | 5.0% | 5.9% | -0.9 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
Profile
- Established
- 1960
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 17020, Fort Smith, AR, 72917
- NCUA charter #
- 13737
- RSSD ID
- 549983
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $144.9M | $121.5M | $57.3M | $23.3M | $292K | 0.81% | 3.22% | 0.25% | 11,439 |
| Q4 2025 | $142.7M | $119.6M | $59.8M | $23.0M | $1.6M | 1.14% | 3.36% | 0.53% | 11,571 |
| Q3 2025 | $144.7M | $121.8M | $59.1M | $22.8M | $1.4M | 1.29% | 3.29% | 0.50% | 11,693 |
| Q2 2025 | $146.0M | $123.5M | $59.6M | $22.7M | $1.1M | 1.52% | 3.20% | 0.65% | 11,776 |
| Q1 2025 | $147.6M | $126.0M | $59.2M | $21.8M | $251K | 0.68% | 3.09% | 0.61% | 11,820 |
| Q4 2024 | $144.1M | $122.7M | $60.4M | $21.6M | $394K | 0.27% | 2.97% | 0.84% | 11,913 |
| Q3 2024 | $146.3M | $125.2M | $59.7M | $21.3M | $120K | 0.11% | 2.86% | 1.01% | 11,989 |
| Q2 2024 | $147.5M | $126.6M | $59.3M | $21.5M | $136K | 0.18% | 2.59% | 0.94% | 12,113 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $51.3M · securities $82.0M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.69% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 5.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.62% | 26th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 78.7% | 50th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Massmutual Federal Credit UnionSpringfield, MA · $350.0M
- United Financial Credit UnionSaginaw, MI · $350.3M
- Pioneer Mutual Federal Credit UnionSugar Land, TX · $351.1M
- Ocean State Credit UnionCoventry, RI · $351.3M
- Freestar Financial Credit UnionMount Clemens, MI · $351.3M
- Transportation Federal Credit UnionAlexandria, VA · $351.9M
Selling to Arkansas Best Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.