CU Explorer
Credit unions · Arkansas · Q2 2026

Combined FCU

Credit union in Hot Springs, AR · NCUA charter #18474 · Federal charter

Legal name: Combined

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$8.9M
Total loans & leases$6.7M
Total shares & deposits$7.6M
Members1,694
Net worth$1.2M
Net worth / assets13.71%
Loans / assets75.21%
Return on assets (annualized)1.43%
Loan growth (YoY)−15.34%
Member growth (YoY)−5.73%
Delinquency, all loans (60+ days)2.08%
CharterFederal charter
Asset band< $50M
NCUA peer group$2M–$10M
Sponsor typeService (finance, health, transport, utilities)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online membership application, online loan application, online account opening, online loan payments, bill payment, e-signature, e-Statements. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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