# FAIRFIELD
PINE BLUFF, AR · NCUA charter 12305 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fairfield-12305

Who the members are: federal charter, community charter, organized 1958, low-income designated. 9,534 members of 62,369 potential (15.3% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 24.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $99.0M |
| Members | 9,534 (-0.3% YoY) |
| Full-time staff | 25 |
| Net worth | $22.9M |
| Net worth ratio | 23.1% (p97 of band) |
| ROA (annualized) | 2.32% (p98 of band) |
| Total delinquency | 1.54% (p87 of band) |
| Net charge-offs (annualized) | 0.67% (p80 of band) |
| Loans / shares | 42% (p17 of band) |
| Cash / assets | 58.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.95% (p66 of band) |
| Operating expense / assets | 3.97% (p65 of band) |
| Vehicles % of loans | 69% (p89 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p51 of band) |
| Vehicle delinquency | 1.20% (p76 of band) |
| Vehicle NCO | 0.37% (p59 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 5% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 87% |
| Certificates % of member funds | 2% |
| Average share balance | $4,958 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $13,978 |
| Loans granted, annualized | $10.0M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | delinquency 2x band |
| 2019-06 | 1 | delinquency 2x band |  |
| 2019-09 | 0 |  | delinquency 2x band |
| 2019-12 | 1 | delinquency 2x band |  |
| 2020-03 | 3 | delinquency rising, loan book shrinking |  |
| 2020-06 | 3 | net worth falling | delinquency rising |
| 2020-09 | 3 | margin squeeze | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | losing money | margin squeeze |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | loan book shrinking |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 2 |  | losing money |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | assets shrinking | delinquency rising |
| 2023-12 | 4 | charge-offs p90, auto monoline |  |
| 2024-03 | 3 |  | charge-offs p90 |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 | members leaving | assets shrinking |
| 2024-12 | 4 | delinquency rising |  |
| 2025-03 | 3 |  | delinquency rising |
| 2025-06 | 4 | delinquency rising |  |
| 2025-09 | 2 |  | members leaving, delinquency rising |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-05-01 [Chamber of Commerce Business Expo reaches 37th year - Pine Bluff Commercial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNTWZJWDQxRkFBVUJLdFBDWFpuTEFkN1VtVUxQV3JzUTQ2NDhqbTJJUXBqYndaSjc2amRORnc1WVNOUEZlUF9aOGRTbTRqQk5LczBFbTkzNDVycWtwcDI1WXpsNHEwS2FiMHBZR09XdlR6enpBM29LblM3VXNWTG5ydDNaYlAxY3ZS?oc=5) · Pine Bluff Commercial
- 2026-06-03 [Jo Ann Jacks Obituary (2026) - Woodlawn, AR - Ralph Robinson & Son Funeral Directors - Legacy obituary](https://news.google.com/rss/articles/CBMie0FVX3lxTE1MZTljb01TR2FHSHYwU2hBMnl5YWFiRk9zOXNUcEF2ZXpJZ04wdGJMS2Nva01WdkNEdVE3MDlKbzZMcHFHRVo3MmlPR05DYXVjeUtSOEtjN3N0MEJ3RHhMRjhYSmlUeVM2d2tITDU3VHNlazJmWG9mYmNUOA?oc=5) · Legacy obituary
- 2014-01-27 [Fairfield Community Credit Union Opens Branch In White Hall - Arkansas Business](https://news.google.com/rss/articles/CBMiowFBVV95cUxOT0VWU1lUTGNmT09NQjVoVDljbXRBbVJfMWZSazZ4V3V1YWFFd3VHLWxDdV8yNUpkQmdUeEU0NDZOMGN5UVNGbnZucjBUZmgzTVhBNnY4THdnYTFHVXYzWFlpR09UNkJZc1NNZkJublVveVRyUFdjbU9OWnRTT2dKQlBMOVNHSG9GckRxYVRPRkdxdnRsOUx5UzJicUhoOTAtNF9Z?oc=5) · Arkansas Business
- 2026-06-11 [Deputy Mayor May to run for White Hall mayor - Pine Bluff Commercial](https://news.google.com/rss/articles/CBMif0FVX3lxTE9RV01Td1lqLWFSVnRtYnBOY2N0Sm1KUm5fbFlHSmZQemFiQTlyV3NSemJDMlhfeDhQM3lIeVhrNFdockNpWGNaM01PcGFNSlN2a3BXQVljYVZDd1F5VW1ScFpFY1NFQjNLRElCZk5aX3Z3blBCc2F4T3RJaXB6cDA?oc=5) · Pine Bluff Commercial
- 2024-04-23 [74-year-old suspected bank robber possibly a scam victim, police sergeant says - KKTV](https://news.google.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?oc=5) · KKTV
- 2021-03-30 [Press Release: Kyle Flournoy selected as March 2021 PAL / Solano First Federal Credit Union Student of the Month! - dailyrepublic.com](https://news.google.com/rss/articles/CBMitgJBVV95cUxNN1NxMDVNaUhOeDhsd2l2VzJ0ME9QSVJyM0tCMEZWYnBldUFKMGxXOWY0UW9OYzR3cjZqQnB2eWdlLUV0UFBHbmFCUWgxOW9DZXUxUXY1ZG9yMGxraUpvZkVndkx6M0pVbF9wT2EtbGljZ1o3NWVuc25qNWp5azFFMUVMTnotNFI3anltQlc1VFdEUmYzaUgzZnFwYTVtdkkyOTlIUXZuUVR4cDBKdWNjbTk0RDV5ejNreUphc1J1R2NzUktvVWxxQXZiVFBDYkJJNE1SMktpbzBkTmt0ZFQzaVg2N3dVYUlCbEZZclFxRllGN2NtQ0VMYkR6UWpDWHZrWkhSRU53QjExMy02aF8wdGd4M1BTQ0tEVFJDWUJldlZ6TmhNbHcwcXdJUExIMGxXclhZZ2Jn?oc=5) · dailyrepublic.com
- 2012-02-17 [Presidents' Day closings announced - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihwFBVV95cUxPaFA2ck1PMTRoYVNxOXo4clJ2ZFQ3VVU2eFhVX3dILTVrYWp6VzgydjZoZ3M2TGJyMEpSX1d4OGxGR0k1VEZGTkktY2lkOFppTVFlUGNaS3EwYnFOdzRlV3U2VDJLZWlkNVlWSG9mWklDRGpYckdXMVlSUWR5UnpoMy1pdHF1bjQ?oc=5) · Northwest Arkansas Democrat-Gazette
- 2018-07-18 [Hugh Patrick Costello - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihgFBVV95cUxNSVJLcjJsU2I4UF9fTDRxSDFSVnRuUl9oNXRxNWFJRUxnOEJET1FoWkFxcHRKVThuczItSURUUGswLVp4dzcta2wydWppcDJaWTFEVmxEbkpxVm1xcjF0Y2ZaZ2dfY2JNMHFSREYxaUFIaXBVWEpBQ0ZXeU1VU1paMTdNalNhdw?oc=5) · The Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12305 (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/17.json (key "12305", 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=12305
- 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