Combined
Combined is a credit union based in Hot Springs, Arkansas, established in 1967, with $9 million in total assets serving 1,773 members. By Trust Grade it ranks 8th of 48 credit unions we track in Arkansas. Its net worth ratio of 13.2% trails most similarly sized credit unions (42th percentile), versus a Arkansas median of 16.2%. It was profitable over the most recent period, with a 1.02% return on assets. No consumer complaints against Combined appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Combined compares to Arkansas peers
How we graded Combined
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.2% capital ratio)
- Strongly profitable (ROA 1.02%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Combined over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Combined insured?
Yes. Combined is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Combined: frequently asked questions
Is Combined a good credit union?
Combined earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (13.2% capital ratio); Strongly profitable (ROA 1.02%).
Is Combined NCUA-insured?
Yes. Combined is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Combined?
Combined holds $9 million in total assets, ranking 8th of 48 credit unions we track in Arkansas. It serves 1,773 members.
Does Combined have CFPB complaints?
No CFPB complaints against Combined appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
