# HURRICANE CREEK
BENTON, AR · NCUA charter 11786 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hurricane-creek-11786

Who the members are: federal charter, community charter, organized 1957, low-income designated. 5,413 members of 129,574 potential (4.2% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $73.8M |
| Members | 5,413 (6.6% YoY) |
| Full-time staff | 11 |
| Net worth | $7.0M |
| Net worth ratio | 9.4% (p15 of band) |
| ROA (annualized) | 0.48% (p38 of band) |
| Total delinquency | 0.60% (p49 of band) |
| Net charge-offs (annualized) | 0.01% (p20 of band) |
| Loans / shares | 82% (p86 of band) |
| Cash / assets | 19.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.21% (p3 of band) |
| Operating expense / assets | 2.74% (p23 of band) |
| Vehicles % of loans | 81% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 2% |
| Third-party paper % of net worth | 10% (p64 of band) |
| Vehicle delinquency | 0.48% (p46 of band) |
| Vehicle NCO | 0.07% (p40 of band) |
| Repossessed % of vehicle book | 0.11% (p85 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 30% |
| Certificates % of member funds | 30% |
| Average share balance | $7,521 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $19,482 |
| Loans granted, annualized | $30.7M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | net worth falling |  |
| 2018-09 | 2 |  | delinquency rising, net worth falling |
| 2018-12 | 1 |  | 3rd-party paper>100% NW |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | delinquency rising |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling, margin squeeze | delinquency rising |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 2 |  | net worth falling |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | net worth falling |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | net worth falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | net worth falling |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | margin squeeze |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-22 [Hurricane Creek Federal Credit Union gives away gas cards to Saline County drivers - FOX16.com](https://news.google.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?oc=5) · FOX16.com
- 2025-09-04 [Bryant Fall Fest Oct 4th features cars, live music, cornhole & more - mysaline.com](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1NMW9DRU52MFRkdHFuTnRURUs0ME9VcUtHNXo1UDM5allXVjFyRmg2N3dHVFRhMUk2d0piX1lOd3h0TjV2RDNtQWJPNWZiSVR4LVl2LXRHY0FRdEE?oc=5) · mysaline.com
- 2026-04-30 [Patricia Ann Campbell Obituary Apr 30, 2026 - smithfamilycares.com](https://news.google.com/rss/articles/CBMibkFVX3lxTFBlTlNXc1J0WmlwVnZVLUZDRUs3bWZYWnBjNEFfY19hSkQ1WjNlMkhlZFFxWnlFSXA3MUZ1LXNUbWZZTUtmcTNHYkh6b3p2LTFWamx5Si13T2wtb09kTmlXUTJEZFMtWXk2NVc0c2x3?oc=5) · smithfamilycares.com
- 2016-09-19 [Mary Catherine Dyer - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMigAFBVV95cUxOcV83czExY1puZkEtOE1OemhPbmJadHQ4RFpZOWJtdXota08tbDVqbWZsVndsS0dCVUQtdXJsbHdBOHhQTDl4aFBxZmlJcVU3RHc0YnJZOE5iY29oZ1ZVYUpxTkZqVzg3eUREY05FNkZXeTE4X3ZVUWJGQVVQT0pCYw?oc=5) · The Arkansas Democrat-Gazette
- 2025-06-30 [Business Nominations for 2025 Saline County Favorites - mysaline.com](https://news.google.com/rss/articles/CBMiVkFVX3lxTE1HQTB4WTN3U1BDaHVndVJEMlFZeWM5VnE4U21YOV9vWEJMMG40TGVhM1dxMjMzQ2VtbDgxNDJQOW05U1JtNlhac0NfbmRIM2pCdTFxV2lB?oc=5) · mysaline.com
- 2014-01-15 [Howell Steele Obituary Jan 15, 2014 - smithfamilycares.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1nVDJTa05PWGhMYm1DTHo4RmxCY1FIZ3h2RDk3SHVBamtyZzRVMHc0ci11VUNVUmpmWmdZUEhEZDh4cFZJekZXdGVFbThxTmh3bzRHNzJqVzJEV2RaYUhjMEJSenlocE5M?oc=5) · smithfamilycares.com
- 2012-06-26 [Presley Faith Hunt - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihAFBVV95cUxQWE1zbTh4aWJFRk5Ja0lOaWdmNDZKcjJXWEh4T0dsS0lTVDljM0REd3ctVFRVdm5xRDFrTkdEWEYxLUpIV2pJQnJKNC1rWHlHYXp4UFRtQVNsZWJkTTl3UUF0OG5DeWZkS2NZYTR4Uko2MVp5Z3VYSTM4aUxoX0Q4OUd6UGk?oc=5) · The Arkansas Democrat-Gazette
- 2025-04-14 [Saline County Court Filings 04142025 - mysaline.com](https://news.google.com/rss/articles/CBMiUkFVX3lxTE1vVGQ2bzNxS3lrQXNkaFpIMUcybGhWZF9QbDBHX1RKemJnOVRZX19qbW5XMG5uRGl3Vzhpek80S3REc1Y2WHNyVHFvNEN0QlgxTkE?oc=5) · mysaline.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11786 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/10.json (key "11786", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=11786
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide