Natural State
Natural State is a credit union based in Searcy, Arkansas, established in 1956, with $9 million in total assets serving 1,224 members. By Trust Grade it ranks 17th of 48 credit unions we track in Arkansas. Its net worth ratio of 16.5% is stronger than 64% of similarly sized credit unions, versus a Arkansas median of 16.2%. It was profitable over the most recent period, with a 0.71% return on assets. No consumer complaints against Natural State appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Natural State compares to Arkansas peers
How we graded Natural State
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (16.5% capital ratio)
- Profitable (ROA 0.71%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Natural State over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Natural State insured?
Yes. Natural State 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.
Natural State: frequently asked questions
Is Natural State a good credit union?
Natural State earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (16.5% capital ratio); Profitable (ROA 0.71%).
Is Natural State NCUA-insured?
Yes. Natural State 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 Natural State?
Natural State holds $9 million in total assets, ranking 17th of 48 credit unions we track in Arkansas. It serves 1,224 members.
Does Natural State have CFPB complaints?
No CFPB complaints against Natural State 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.
