NATURAL STATE Credit Union Profile

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NATURAL STATE

Charter #24432 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (501) 268-9301

Fax: (501) 268-9998

Founding Date: N/A

Website: https://www.naturalstatefcu.net

Personnel & Operations

President: SMITH, WILL

Manager: DICKERSON, CLAY

FT Employees: 3

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 53

Branches: 1

Hours: MON-THURS 9AM TO 4PM FRI 9AM TO 5PM

Credit Union Profile Summary

NATURAL STATE is a FCU Credit Union. With a total of 1,245 members [1], this institution manages approximately $8,702,219 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 16.54% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -12.14% [1].

Financial Snapshot

Total Assets [1]
$8,702,219

Total economic resources.

Total Loans [1]
$5,983,123

Total value of outstanding loans.

Total Deposits [1]
$7,181,702

Total funds deposited by members.

Members [1]
1,245

Number of active members.

Performance Ratios

Net Worth Ratio [1]
16.54%

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]
1.07%

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

Loan-to-Share Ratio [1]
83.31%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
3.17%

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

Loan Growth (4Q) [1]
-12.14%

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

Member Growth (4Q) [1]
-2.51%

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

Headquarters Location & Map

Headquarters Address

901 S MAIN ST

SEARCY, AR, 72143

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 NATURAL STATE (Charter #24432).

Main Office

NATURAL STATE FEDERAL CREDIT UNION Main Office

Type: Corporate Office

901 S MAIN ST

Searcy, AR 72143

Phone: (501) 268-9301

Services: Member Services, Drive-Thru

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