# PATTERSON
ARKADELPHIA, AR · NCUA charter 11902 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/patterson-11902

Who the members are: federal charter, community charter, organized 1957, low-income designated. 3,918 members of 25,000 potential (15.7% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $37.5M |
| Members | 3,918 (3.5% YoY) |
| Full-time staff | 7 |
| Net worth | $6.5M |
| Net worth ratio | 17.3% (p63 of band) |
| ROA (annualized) | 2.51% (p96 of band) |
| Total delinquency | 0.11% (p26 of band) |
| Net charge-offs (annualized) | -0.08% (p12 of band) |
| Loans / shares | 82% (p84 of band) |
| Cash / assets | 28.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.58% (p76 of band) |
| Operating expense / assets | 4.12% (p62 of band) |
| Vehicles % of loans | 79% (p82 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p86 of band) |
| Vehicle delinquency | 0.12% (p37 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 21% |
| Average share balance | $4,489 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $13,256 |
| Loans granted, annualized | $12.9M |

## Flags firing in the latest filing

- **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 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 4 | margin squeeze, delinquency rising |  |
| 2017-06 | 3 | net worth falling | margin squeeze, delinquency rising |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | loans>95% of shares |  |
| 2019-12 | 2 |  | loans>95% of shares |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 | margin squeeze | 3rd-party paper>100% NW |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 2 | members leaving |  |
| 2024-09 | 1 |  | members leaving |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-03-30 [RESCHEDULED: Community barbecue to benefit victims of apartment fire - The Arkadelphian](https://news.google.com/rss/articles/CBMilwFBVV95cUxOM0hVc0E2VDUwTU1Pb1luUU1iOXZiemVCMUpLVm5NclNvNEJvb0NVbHFyeEtWNnVpaW1LSFQwNnROZHkxR2RrdWwzakYwVmY4TmEtNEtQbmF0d1hfNjA5V1pMTTc5Y0pKYWkwVm9pSlZYREt4U3dlSXd4Y0tpTmhPc1I2aUIxU2VMVVV4Z2p0T3pLRnBZTTZN0gGfAUFVX3lxTE9PZngwQTh4dVMyQmdjV3c4aW9wNFhOS2JkRDBRSU56N0lVQ3Itb29wUFU0cEZOeGpDWUgwSXFubjdiMGx3VnZrS3VTRS1KbDlFOFN6d0hacjc2SXc0VEh0YjRrcHQ0bjhaR3BsRE5WWEpBS29WeXhnRmh0eUVkMXdWVEM2cnlCc1kzSmVGZzNrZkMtbGs4QzFZcXdnS184SQ?oc=5) · The Arkadelphian
- 2023-05-01 [Sterling Bank Opens its Second Arkansas Facility in Rogers - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5ZZkl5TzdhZmZ6NlpIMzFLQTNBZThpTlQxUkU3VVAyejc0WU10djBsY1VZbURkRkJIaTBTWWllMGM4WFN6d1V6S3ZPY2FOQ3A1MnVINjkyWURWa1Y2N3BPOEw1eUQ?oc=5) · Arkansas Money &amp; Politics
- 2022-05-02 [Latham, Linn Named VPs at First Service Bank (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNEVxcWlEZ0g4bWZtcm5zMHVWY2ZDOUxUNmpOTkU5NG1EcGRqQzVYNWp2NmUxTWZfUEZSemE3ZmNJdEt1aGV6MmsyM014Q0c4RmppdVVYTHRSUDZpWVV4aVR6RkIxOWdFRERuMGIzY2FhbUxSRGZtSmNWNldHb0tUZnNyU0VZQTNHZ2ViaGY4Q1kxTHpRV3djZF9ndVhvX2ctZWc?oc=5) · Arkansas Business
- 2023-06-05 [Patterson Mill Class of 2023 graduation | PHOTOS - Baltimore Sun](https://news.google.com/rss/articles/CBMikAFBVV95cUxOS3c0ZXhPMUtxRUdMb241eWJ4S3FKdU9IMWY1eXZZM0c0ZHYzdTNXak9HbzF6dHJXaHZWY1hGYko2M29hZjZ5aHZZcDhwYmN6dnRRMllWX2xJUEpKdnNlcnM1bkEzc3RjVW1UVnpZYUtPSG1XZ0dJZHRfZ1lyRlBWaEFteGliNkRPU3MtMkRCNHE?oc=5) · Baltimore Sun
- 2018-07-14 [Billy Charles Kirksey Obituary Jul 14, 2018 - smithfamilycares.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE52ZllLZnBVUnRiZ1VmV0xiN05Gb21OYWItaWtDQzBNMTNlbk9pY3FSemZlbW83akVDUHdoUDUyTnZ6T3B2REdpNUNyR3lkazlXYXFJakdTS3VZTDdsb1FNWnpfTDFleFBNbXBQLUVvM2YzRG8?oc=5) · smithfamilycares.com
- 2021-04-15 [Facing machine gun charge, Orange Park man gets hundreds of supporters - The Florida Times-Union](https://news.google.com/rss/articles/CBMizgFBVV95cUxPYWJPRlB4eElIenhyLU1iZGhpRVBHSlZoOTNzMTdSb0MwYVk5TnhpUzhNaDRXX0oxeHNpU2UzVDhzZXZJOFFpQUtXeVdGbHZOd1VaUzlOeVp6MXRjaG9Mbm9UdXVKcnduMHJtSG44YUdNU294bU9aSmlqbno3Y2ZsMUozVWYwbHFyU21VR1Nqajd1YWFVcEZwS1BQeTJBcWRUaGYwN2x1dGNkWjVZV3hRYmE4a1FPc09aQU9DVkp2cE9lTFdRYl8tV3h4cDIxZw?oc=5) · The Florida Times-Union
- 2019-01-12 [Who is Jake Thomas Patterson, murder and kidnapping suspect in Jayme Closs case? - Star Tribune](https://news.google.com/rss/articles/CBMitwFBVV95cUxOMnM5RV9PT3JWbnluNTk2NGx6S0NsclRweFVNUEZPRjVNMV90VDlvS1JFWTdmRDJRS1NLd3JTa1FNMjg5OG5mU1lRZkFVTXI3WXoyYTlvNzNDaVEtM2xlaWZtMnBwRWZtUUg0d3RJSTloN1pNc2NsbURSeWlSV1hRbXhSOG9jeGhoNndCN2QzRHNxQmtDTlFlWXp6aFphd3RObnhfeFp3RDM4dm9aR05rMm1lVWFPODQ?oc=5) · Star Tribune
- 2019-08-18 [Food-pantry director given IMPACT Award - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMikgFBVV95cUxQb1FNNkJ1aGgyY1ZhV25GVnNUdjZmV1JYUU5mdHZjN1N4RWs0ZGxnNlBXQ2U0cTB5ZXZpeEhtQ2lTaGQwQ2x1QWhMa1hfVEdzQUJUSS1YS3dSNHRsaUZtNTBmaDJnekhCQm9iNlFvRDZyaUd0R3VaRTlXWWtfcW1wNXJzeFBSZTE1QWxPVzhDU0txZw?oc=5) · The Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11902 (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/62.json (key "11902", 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=11902
- 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