# SUCCESS
BLYTHEVILLE, AR · NCUA charter 12808 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/success-12808

Who the members are: federal charter, multiple common bond, organized 1959, low-income designated. 23,351 members of 89,603 potential (26.1% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $217.2M |
| Members | 23,351 (0.4% YoY) |
| Full-time staff | 41 |
| Net worth | $32.1M |
| Net worth ratio | 14.8% (p88 of band) |
| ROA (annualized) | 1.20% (p81 of band) |
| Total delinquency | 0.64% (p54 of band) |
| Net charge-offs (annualized) | 0.69% (p77 of band) |
| Loans / shares | 69% (p38 of band) |
| Cash / assets | 15.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.49% (p45 of band) |
| Operating expense / assets | 3.19% (p29 of band) |
| Vehicles % of loans | 49% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 14% |
| Third-party paper % of net worth | 27% (p33 of band) |
| Vehicle delinquency | 0.61% (p53 of band) |
| Vehicle NCO | 0.76% (p57 of band) |
| Repossessed % of vehicle book | 0.24% (p87 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 26% |
| Average share balance | $4,455 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $18,046 |
| Loans granted, annualized | $58.2M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | loans>95% of shares |  |
| 2017-03 | 2 | members leaving | loans>95% of shares |
| 2017-06 | 3 | delinquency rising, loans>95% of shares | members leaving |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | auto monoline | loans>95% of shares |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | loans>95% of shares |  |
| 2019-03 | 2 |  | loans>95% of shares |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | auto monoline |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 4 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  | delinquency rising, net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | margin squeeze |
| 2021-06 | 0 |  | 3rd-party paper>100% NW |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | delinquency rising |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 1 | members leaving |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 1 |  | delinquency rising, net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | members leaving |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-06-24 [CommunityAmerica acquires naming rights for Razorback Stadium - Talk Business & Politics](https://news.google.com/rss/articles/CBMimwFBVV95cUxNbGhWa2ZwVVNMLXgyQmZ1YUFTSS1pLTBkNFRLeHd5XzFvdDZ5QTd5U3Q4VlhDR1VBdnFHR0dxOV9hR3F2T3YweVdEUXlwVXFqY0habWM2S2YzLVVyRjRrWTI1NUdlNkRpWkhiSXpVelk1UWlLYnVuV3BhamhGVzlWcjJVQ212WW5jMW84WHVqbHJHd2p0cjd5M3hyQQ?oc=5) · Talk Business & Politics
- 2026-03-01 [On the Record for Monday, March 2, 2026 - Texarkana Gazette](https://news.google.com/rss/articles/CBMikgFBVV95cUxPMEJnUFVoM0tUMnVzNjNORGctVzVkQmFLUXlySGpRYVZxZGdHZ2s3YmZxQnVsQ3lIbmc2S3prZnJfSmRwdWlvWURfQWMtMk1qcm1qaEVybkdOZnZqek9fRHVHWEhkUlZfS0pfVEQwc2ZpTko3eDQ0LWpLU2NmVkZuX3BHR213VWZxRUg5SThSaDJuQQ?oc=5) · Texarkana Gazette
- 2025-01-22 [Discovery Credit Union Highlights Certified Counselors Helping Members Achieve Financial Success - Berks Community Television](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOTW1udXY4VE80emVaQkxIMXBnNG14UE1ZQkpidmN4MExZYWRwa1l5bnBUTlNpWUtOWHYzVmdBV1VXQXhNUG5sTV9BMnBFMmw5TllQMkxCVTJ6LWZJWnIya3oxaG1JWUt6UW1SN2xNUDlxbjVpalFwMVZMdXdMUTNVMEMtbHd2SUNDRFlUbzk1bmNaR0dHSHl3RGZManFrUzB6WU5RZGVXcTBjd2hiN19lTjBVUDREc2NReGxwN1V6MHVuYXNXQ3FQbkVWTHpsNzNIb1Y1cXl0YkR0aEhBZ2tfTw?oc=5) · Berks Community Television
- 2024-12-02 [SCHOOLSFIRST FEDERAL CREDIT UNION - Comstock's magazine](https://news.google.com/rss/articles/CBMie0FVX3lxTE1qUlhHdFhDYkRNcE53UUhrWTA4cjNlMkllQjFyOU9FS1h2V1RaYnlTRXRXN1JrdDVhZGNlWVAxVGVKMHk1WXJqcW1lV0F0WHNndFFPemRvME5rWWJVZ0dITWgyZzAtVXk4TG9PQW5uaHFYZ1hUYUFOQ2RzMA?oc=5) · Comstock's magazine
- 2022-03-01 [HomeBank of Arkansas to be acquired by Barksdale Federal Credit Union - Talk Business & Politics](https://news.google.com/rss/articles/CBMipgFBVV95cUxPb0FMNEd3RzV3QlY0RUJNN3hJOWlnUEpiSUhQWjdRbFFjVU1qTzVUcWZFWmlHckJkVV9aaEtHR0lPYnYwSndmNHNna3hZNVlmM2lsYldzakh5bENvV2RQdlRQdzdjWGx3dEZ2V2R6TlpKWXMwaU1heTl2ajFOZjA3ME1sWUdOMTFrTlVEZjNzbTVKZzVRY2VoN2l0RkFtUGF2bVY2OU13?oc=5) · Talk Business & Politics
- 2024-05-29 [Salute to Success Student Recognition Dinner honors NNPS top students - sbo.nn.k12.va.us](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNaWtkZlRRMVk1eThtOTZjMGRFVk5WUklPdWc5cmstMFV5MEl0c21ieXNKYkN5T21xeXlxRVZEMVpmdjNyaTVOSnE3VjFZVlBESXplNUswU3BkUlU4NTRZcXowUXpQVFlyU09mS2ZQTENiSlBsaDIxeGNKOG1FSmVxOVRIS0ZseG5ZRjFteHFlQWVWN1EtLW9PYVNrX0JZWXd0UnFXOEhPb1lYelZ1R3JuTG1IM0JjRGdPOHU4bGxKQjY?oc=5) · sbo.nn.k12.va.us
- 2022-11-30 [Sun Community branch celebrates anniversary - Calexico Chronicle](https://news.google.com/rss/articles/CBMijgFBVV95cUxQdUxCaDBJdlViN2xESUpSN1JWUWxfMUZSZFBGTDFVUVlrMnozQjNOY1RwdFVwUGZKVFE2ZmhwWmcxWHZZSjFPNTVMRDdWanBEb1hETFVXeDQ0N1ZJLUlTX0p3OHRHQXdMM1FpcF9BUVZ6RV8tRUlpOHRVRmg5dGFVVVNrU3h4RkZ1Ym82VzR3?oc=5) · Calexico Chronicle
- 2024-12-18 [Second Cohort of Arkansas Delta Women’s Leadership Academy Announced - Arkansas State University](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWFExeFNhbldLQkdLQWxrVzNuajJwX0o0eXZpbjkyQ0tWa2pSYUVtSXg4c04zeGFVbWxBb1g2QXhxbktja2dnbTNhWXRydWF0MU8wWkppeFlSbl9hbV9FWV9tZUhQcTBZNFNxeXVnNEtuTDlXVkJ5RExkRDcxVjkzM0NVdUhDdWZ1dFNmZy1weURPanVFbVZkUkRqeFlXYmdXS0V3YURRLUY0cUk?oc=5) · Arkansas State University

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12808 (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/8.json (key "12808", 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=12808
- 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.

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