ARKANSAS BEST
Charter #13737 · Fort Smith, AR · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 11,439 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.24% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 1.66% sits at the 90th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.25% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 80th — a 52-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ARKANSAS BEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $144.87M | 28th pct | 80th pct |
| Members | 11,439 | 41th pct | 84th pct |
| Net worth ratio | 16.05% | 89th pct | 72th pct |
| Return on average assets | 0.81% | 58th pct | 52th pct |
| Net interest margin | 3.24% | 25th pct | 25th pct |
| Cost of funds | 1.66% | 75th pct | 90th pct |
| Loan-to-share | 47.16% | 9th pct | 52th pct |
| Delinquency 60+ days | 0.25% | 18th pct | 13th pct |
| Net charge-off ratio | 0.69% | 77th pct | 66th pct |
| Loan growth YoY | -3.07% | 16th pct | 46th pct |
| Share growth YoY | -0.25% | 8th pct | 11th pct |
| Efficiency ratio | 78.68% | 50th pct | 52th pct |
structural peer set hash: fd647ddfc18e2d8af7a45caa7f95b7eb… (reproducible)
Closest structural peers
This is the free public view
Claim ARKANSAS BEST
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.