# ALCOA COMMUNITY
Benton, AR · NCUA charter 11913 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/alcoa-community-11913

Who the members are: federal charter, community charter, organized 1957, low-income designated. 6,065 members of 986,165 potential (0.6% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 103.

**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 | $68.7M |
| Members | 6,065 (2.3% YoY) |
| Full-time staff | 20 |
| Net worth | $5.4M |
| Net worth ratio | 7.8% (p3 of band) |
| ROA (annualized) | 0.24% (p24 of band) |
| Total delinquency | 0.23% (p23 of band) |
| Net charge-offs (annualized) | -0.06% (p6 of band) |
| Loans / shares | 86% (p91 of band) |
| Cash / assets | 16.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.21% (p79 of band) |
| Operating expense / assets | 5.06% (p88 of band) |
| Vehicles % of loans | 63% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 8% |
| Third-party paper % of net worth | 84% (p82 of band) |
| Vehicle delinquency | 0.09% (p15 of band) |
| Vehicle NCO | 0.29% (p55 of band) |
| Repossessed % of vehicle book | 0.01% (p76 of band) |
| Real estate % of loans | 26% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 16% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 18% |
| Average share balance | $7,412 |
| Participations bought / yr | $3.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $2.1M |
| Loans outstanding per 100 members | 103% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $8,661 |
| Loans granted, annualized | $37.9M |

## Participation posture (from the same filings)

Bought $3.8M and sold $0 in the latest annualized quarter; $2.1M outstanding purchased (39.4% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares -0.7% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency rising** (`aq_dq_rising`)
- **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 | 4 | losing money, members leaving |  |
| 2017-06 | 4 | net worth falling | losing money |
| 2017-09 | 3 |  | members leaving |
| 2017-12 | 4 | members leaving |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 5 | assets shrinking, leaning on borrowings |  |
| 2018-12 | 3 |  | members leaving, leaning on borrowings |
| 2019-03 | 5 | losing money, members leaving |  |
| 2019-06 | 6 | net worth falling |  |
| 2019-09 | 5 | delinquency rising | assets shrinking, net worth falling |
| 2019-12 | 4 |  | losing money |
| 2020-03 | 4 | net worth falling | members leaving |
| 2020-06 | 3 |  | delinquency rising |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | net worth falling, losing money |  |
| 2021-06 | 3 |  | losing money |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 3 | thin capital, members leaving | 3rd-party paper>100% NW |
| 2022-03 | 3 | net worth falling, delinquency rising | auto monoline, members leaving |
| 2022-06 | 2 |  | delinquency rising |
| 2022-09 | 2 | delinquency rising | net worth falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | losing money, charge-offs p90, auto monoline | delinquency rising |
| 2023-06 | 5 | delinquency rising |  |
| 2023-09 | 2 |  | losing money, charge-offs p90, delinquency rising |
| 2023-12 | 4 | net worth falling, losing money |  |
| 2024-03 | 4 | delinquency rising | losing money |
| 2024-06 | 3 | 3rd-party paper>100% NW | net worth falling, delinquency rising |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | delinquency rising |  |
| 2025-03 | 4 | net worth falling | 3rd-party paper>100% NW |
| 2025-06 | 4 |  |  |
| 2025-09 | 3 |  | net worth falling |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |

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

- 2025-09-23 [Benton alderman announces state House seat run - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMilAFBVV95cUxQSHFfUHNVU3o0c3NBdE1SSE54WmVWdHdJTDVxNEpSd2pUenVrODVhalV1X050bThsWVBNWU9UX3NmYlhWcXZqZXpVTFc4eG5ucG9YUERESVpqcVd3ME54VW1SX3JnQVNCZDVZeVFMUW4tcDZWMExWaXkydjNoa1RyVnhCU2N3OEJLdDdkQzM3QUxDUG5o?oc=5) · Northwest Arkansas Democrat-Gazette
- 2022-09-22 [Thieves try to steal ATM in Benton using pick-up truck - thv11.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxNR19XUUJKNXdDVU9PTEZoQTJrakJYZmFaTk5OM0gyT0pjRWFiM213Y25WemNrdzJibjVWeFJXZlE2QlhDeHc5dkxIUUgtM3hiN1lsbUNHQWRXb0ZkeXlVUXY4cTQtSFRISEtVelpUTkVpRl9sZW1pb0RIR1BlT290OXhDcVFNRG5jcjVjcWJKV0o0eHQ3Y1UxaEtMelB5MDZHLVg4QlgtTDF2NlI2THEzeg?oc=5) · thv11.com
- 2022-09-22 [WATCH: A Benton credit union in shock after 2 men attempted to steal their ATM - KATV](https://news.google.com/rss/articles/CBMi1wJBVV95cUxQX3BURHZZSFpYSWd5NG9WdFR3VkdtdlZDNEJPYzZmOTBMUlhvTDFOM3daYzl4TmxoZmhtM3NURDNwS1Q2dVIyZF8ybWdxLWhyZHREVmtzV0k1YlVXUmR3V3owMnVCaFRlcUs0ZGpTVjRlMnBLdEdpVWFqMFVjZWo2Rk1xT2pybjBlcHlfd3dhaU5BTmVXd250c1hiR25oUkoxQVVEU25yOW9HQVBWMl9XYlRFWjF2MTF4VG1Eajcyd3c4Zm82TFVNU3dJRjFkbll4TTV2UDhCN3dzUVE5d29GUkdPMTZPSkpNU2MtdEFRd1NsMFd2NVN2cVNuWUhPQVlpVUlkVDdJTXBtTC1jOGZWR3FHZG9nRWhwS3psTVZScm1IandpaVdKVXNxOHIydkRkM3pUMVVFejVIOVFERlIxX0xRTS01OWNPTXIxSVRkVE0yUGtKeUtj?oc=5) · KATV
- 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
- 2025-09-23 [Council Member Brown announces campaign for State Representative in 2026 - mysaline.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE0xdDk3TDh1bGZHZ3dZQVZUYWt4cng4VHAxOWxXWGtrMVNQSi04UFJMbDRGS09iczd2c1FaREJOREJYWEJTLXQzbUxuYzZFWkJPTk1zdlZFbnVueDBhRTVJNExQa1hEWFk?oc=5) · mysaline.com
- 2023-08-21 [2 Promoted at Hytrol Conveyor Co. (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMilgFBVV95cUxQZ0JHREdkYWMxYnA4UjlUMTlHb1dmeE5Ic0JaeVhJSW9jYmZTVUxBNWJUckI2VVJrT2FSbXB6dTlsSFg1Nkp1SVpkNnNZVk5XVFhmWHhpSFJHYm95RFdEZUY1YmlqQ2ZoMkNUTERTbk9JSDFtOFpWVzdMV2RKNExEcTVqLTdMUTB0S3gzUjh2Z1VabnQ5NVE?oc=5) · Arkansas Business
- 2022-08-02 [2022 Saline County Favorites Winners – Business Section - mysaline.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBUbHlXWE1QbjdNcXdyeUhhb1BuMTFhSXptMEdEcWdHZVF3UVVOdDFGblVfR2ZIaVlZb2RwN1NFdVhQdE1fU05XY3BHb1pBZS1Wb1hRWGRlTW5sbFkyTXJuRg?oc=5) · mysaline.com
- 2023-04-03 [Natasha Henderson Named Director of System Planning at Southwest Power Pool (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNMnVpU09MM0FnUkRjdG1RaWhCN0x3a25YZXM5WHh6UzVGZXF5UEpNUXhHcmhyRWtpTkRmQUhEMTB2dnh4SUNuc21HS19IajhUYkRMZVNmV1JmZjRjV24xVXlibWYxTmVaV283dG1NSXpYQkdFVE90VmhWTGxZaFh0d1JMM295RTcxanBmRUxnWE1xNDAtWmkxYWhrRnJ3cFNLb0pTQVFxWVdTQjlFN1Znc1lCbVNQQktC?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11913 (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/9.json (key "11913", 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=11913
- 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