NATURAL STATE
Federal • SEARCY, Arkansas • Est. 1956
Quick Facts
- Charter Number
- #24432
- Type
- Federal
- Established
- 1956
- Headquarters
- SEARCY, Arkansas 72145
- Address
- PO BOX 422
- Branches
- 1
- Members
- 1,209
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
1,209 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NATURAL STATE |
|---|---|
| Total Assets | $8.8M |
| Members | 1,209 |
| Loans Outstanding | $5.5M |
| Shares & Deposits | $7.2M |
| Net Worth | $1.5M |
| Net Worth Ratio | 16.83% |
| Loan-to-Share Ratio | 76.6% |
| Delinquency Rate | 0.36% |
| Net Income | +$95,223 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
NATURAL STATE FEDERAL CREDIT UNION
Main Office901 S MAIN ST
SEARCY, AR 72143
Who Can Join NATURAL STATE?
Membership Type: Community
Membership eligibility for NATURAL STATE may vary. Contact the credit union directly to confirm qualification requirements.
Contact NATURAL STATE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Arkansas RankingsFrequently Asked Questions
Yes. NATURAL STATE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, NATURAL STATE has 1,209 members and a potential membership field of 2,500 people.
NATURAL STATE's net worth ratio is 16.83% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 16.8%, NATURAL STATE meets this threshold.
NATURAL STATE operates 1 branch location. The main office is located at 901 S MAIN ST, SEARCY, AR 72143.
NATURAL STATE was established in 1956. It is a federal credit union chartered under charter number 24432. The institution has been serving members for 70 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or NATURAL STATE. All financial data is for informational purposes only.