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credit union

Garland County Educators

Hot Springs, AR · Est. 1968
A
Trust Grade
Excellent
Score: 90/100

Garland County Educators is a credit union based in Hot Springs, Arkansas, established in 1968, with $5 million in total assets serving 730 members. By Trust Grade it ranks 29th of 48 credit unions we track in Arkansas. Its net worth ratio of 17.5% is stronger than 68% of similarly sized credit unions, versus a Arkansas median of 16.2%. It was profitable over the most recent period, with a 0.02% return on assets. No consumer complaints against Garland County Educators appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$5.2M
<$100M institution
Members
730
Shares & deposits
Net worth ratio
17.5%
Top 32% of <$100M peers · Arkansas median 16.2%
Return on assets
0.0%
Bottom 22% of <$100M peers · Arkansas median 0.57%
Rank in Arkansas
#29
of 48 credit unions

How Garland County Educators compares to Arkansas peers

Net worth ratio
Top 32% of <$100M peers
Garland County
17.5%
Arkansas median
16.2%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 22% of <$100M peers
Garland County
0.0%
Arkansas median
0.6%
Higher ROA = more profitable relative to asset base

How we graded Garland County Educators

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
90/100
Customer experience
n/a
Overall
A · 90
  • Strongly capitalized (17.5% capital ratio)
  • Profitable (ROA 0.02%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Garland County Educators over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Garland County Educators insured?

Yes. Garland County Educators 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.

Garland County Educators: frequently asked questions

Is Garland County Educators a good credit union?

Garland County Educators earns a Bankzia Trust Grade of A (90/100, "Excellent"), based on a financial-strength score of 90/100 (it has no CFPB complaints on record). Strongly capitalized (17.5% capital ratio); Profitable (ROA 0.02%).

Is Garland County Educators NCUA-insured?

Yes. Garland County Educators 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 Garland County Educators?

Garland County Educators holds $5 million in total assets, ranking 29th of 48 credit unions we track in Arkansas. It serves 730 members.

Does Garland County Educators have CFPB complaints?

No CFPB complaints against Garland County Educators appear in our data over the analysis window, which is typical for a credit union of this size.

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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.

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