COMBINED Credit Union Profile

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COMBINED

Charter #18474 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (501) 623-7004

Fax: (501) 624-7068

Founding Date: N/A

Website: http://www.combinedfcu.org

Personnel & Operations

President: MEEKER, NANCY

Manager: Hearnsberger, Sharon

FT Employees: 4

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 52

Branches: 1

Hours: 8:00 - 5:30

Credit Union Profile Summary

COMBINED is a FCU Credit Union. With a total of 1,797 members [1], this institution manages approximately $9,241,021 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.78% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -6.86% [1].

Financial Snapshot

Total Assets [1]
$9,241,021

Total economic resources.

Total Loans [1]
$7,868,645

Total value of outstanding loans.

Total Deposits [1]
$8,113,301

Total funds deposited by members.

Members [1]
1,797

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.78%

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]
0.50%

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

Loan-to-Share Ratio [1]
96.98%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
0.04%

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

Loan Growth (4Q) [1]
-6.86%

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

Member Growth (4Q) [1]
-7.28%

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

Headquarters Location & Map

Headquarters Address

203 NASH ST

HOT SPRINGS, AR, 71913

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by COMBINED (Charter #18474).

Main Office

CREDIT UNION Main Office

Type: Corporate Office

203 NASH ST

Hot Springs, AR 71913

Phone: (501) 623-7004

Services: Member Services, ATM, Drive-Thru

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