Sep, 30, 2025 — NATURAL STATE FEDERAL CREDIT UNION is a federal credit union headquartered in SEARCY, AR with 1 branch location and about $8.71 million in total assets. Opened 70 years ago in 1956, NATURAL STATE FEDERAL CREDIT UNION has about 1,225 members and employs 4 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | NATURAL STATE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 901 S MAIN ST SEARCY, AR 72143 |
| Phone: | (501) 268-9301 |
| Fax: | (501) 268-9998 |
| Website: | n/a |
| Branches: | 1 branch locations |
| Members: | 1,225 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24432 |
|---|---|
| Membership Type: | Multiple common bond - Primarily communications and utilities |
| Corporate Credit Union: | No |
| Year Opened: | 1956 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $8,714,904 |
| CEO/Manager: | CLAY DICKERSON |
| Chairperson: | WILL SMITH |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,329,308 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 452,362 |
| Other Loans | 5,107,120 |
| TOTAL LOANS | 5,559,482 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -13,792 |
| Land And Building | 125,474 |
| Other Fixed Assets | 6,512 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 71,157 |
| All Other Assets | 0 |
| TOTAL ASSETS | 8,714,904 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 24,477 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 56,915 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 370,650 |
| Regular shares | 3,828,455 |
| All Other Shares & Deposits | 2,963,250 |
| TOTAL SHARES & DEPOSITS | 7,162,354 |
| TOTAL LIABILITIES | 7,243,746 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 1,471,158 |
| TOTAL EQUITY | 1,471,158 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 8,714,904 |
| INCOME & EXPENSE | |
| Loan Income | 325,337 |
| Investment Income | 73,181 |
| Other Income | 59,474 |
| Total Employee Compensation & Benefits | 145,297 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 158,579 |
| Non-operating Income & (Expense) | 12,631 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 8,680 |
| Cost of Funds | 84,243 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 78,388 |
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