USEM MENA Credit Union Profile

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USEM MENA

Charter #18343 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (479) 394-8719

Fax: (479) 394-8719

Founding Date: N/A

Website: http://www.usem.virtualcu.net/

Personnel & Operations

President: Toon, Brent

Manager: Doughty, Lisa

FT Employees: 0

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 43

Branches: 1

Hours: TUESDAY, WEDNESDAY, THURSDAY 12:30 - 4:30

Credit Union Profile Summary

USEM MENA is a FCU Credit Union. With a total of 394 members [1], this institution manages approximately $1,871,385 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 29.83% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 9.63% [1].

Financial Snapshot

Total Assets [1]
$1,871,385

Total economic resources.

Total Loans [1]
$1,092,177

Total value of outstanding loans.

Total Deposits [1]
$1,308,501

Total funds deposited by members.

Members [1]
394

Number of active members.

Performance Ratios

Net Worth Ratio [1]
29.83%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.02%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
83.47%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
0.49%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
9.63%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-6.41%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

500 MORROW ST N

MENA, AR, 71953

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 1 branches reported by USEM MENA (Charter #18343).

Main Office

USEM Mena Federal Credit Union Main Office

Type: Corporate Office

500 Morrow St N

Mena, AR 71953

Phone: (479) 394-8719

Services: Member Services

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