# BAPTIST HEALTH
Little Rock, AR · NCUA charter 12813 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/baptist-health-12813

Who the members are: federal charter, multiple common bond, organized 1959. 7,099 members of 14,925 potential (47.6% of the field); checking penetration 33% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $46.6M |
| Members | 7,099 (-14.0% YoY) |
| Full-time staff | 14 |
| Net worth | $10.7M |
| Net worth ratio | 23.0% (p83 of band) |
| ROA (annualized) | 0.27% (p36 of band) |
| Total delinquency | 1.78% (p75 of band) |
| Net charge-offs (annualized) | 0.64% (p79 of band) |
| Loans / shares | 78% (p79 of band) |
| Cash / assets | 37.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.41% (p70 of band) |
| Operating expense / assets | 5.55% (p86 of band) |
| Vehicles % of loans | 62% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 7% |
| Third-party paper % of net worth | 40% (p94 of band) |
| Vehicle delinquency | 1.82% (p78 of band) |
| Vehicle NCO | 0.04% (p71 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 12% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 20% |
| Average share balance | $4,130 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $58 |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $14,073 |
| Loans granted, annualized | $8.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $58 outstanding purchased (0.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 13.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | delinquency rising | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | loan book shrinking | delinquency rising |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | losing money | loan book shrinking |
| 2019-06 | 2 | delinquency rising | losing money |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 3 | net worth falling, losing money |  |
| 2020-06 | 3 | margin squeeze | losing money |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 | delinquency rising | margin squeeze |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 1 |  | delinquency rising, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | net worth falling, 3rd-party paper>100% NW |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 | delinquency rising, loans>95% of shares | auto monoline, net worth falling |
| 2023-03 | 3 | delinquency 2x band | loans>95% of shares |
| 2023-06 | 2 | loans>95% of shares | delinquency rising, delinquency 2x band |
| 2023-09 | 4 | net worth falling, delinquency 2x band, delinquency rising | loans>95% of shares |
| 2023-12 | 4 | loans>95% of shares | net worth falling |
| 2024-03 | 3 |  | loans>95% of shares |
| 2024-06 | 3 |  |  |
| 2024-09 | 5 | assets shrinking, loan book shrinking, loans>95% of shares | 3rd-party paper>100% NW |
| 2024-12 | 4 |  | delinquency rising |
| 2025-03 | 5 | losing money, charge-offs p90 | loans>95% of shares |
| 2025-06 | 6 | members leaving |  |
| 2025-09 | 5 | auto monoline | assets shrinking, loan book shrinking |
| 2025-12 | 5 |  |  |
| 2026-03 | 4 | net worth falling | losing money, charge-offs p90 |

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

- 2026-01-19 [AFCU, Sissy’s Log Cabin, Conway Corp. Announce Promotions (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMirwFBVV95cUxQcGE4cVBuRzYyeTNtTm5EWVpRZ0RIc3NneFNESUdwN3hXblhEWWVLdl9MX0RzUmVWb0NPVENrYkFZS1ZneGE4R05xaDhIX1kxMFdlRm1xTWE2ZjRtcUVFV3JDTnF3ZDNRdXJIdEQ2NFEtRHNMRmFTeWp3NC0yRmgzalN2UWUtTElUZVh6LWNvaGgxRlpVakFqZGtBbGUtSTVqNl9ONXNVXzFLZElkUjBj?oc=5) · Arkansas Business
- 2026-01-13 [Ronald McDonald House Arkansas & North Louisiana Announces New Board Leadership - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMigwFBVV95cUxNU0JtQXZxdU9TY3FkdUhSdHlYZDJIczJQUG9MU3FCZXdYbnF2OTZBQk9fWDhzQVU4RURRalBKeklfMmdVY2NiUjd4YjZCVm1IMmtMSlhKeS1hSVBjN1dta2N1U3E1WU9aQUVFemE1LW14U1plUUFia2lxd0hGU0VwX3pMVQ?oc=5) · Arkansas Money &amp; Politics
- 2026-04-16 [Prattville Community Job Fair to be Held on April 23 - Alabama Department of Labor (.gov)](https://news.google.com/rss/articles/CBMiT0FVX3lxTE9IUEpxekZzQVVIazNhMTRwb2lJY2VQdGR4OXZRQzhsd0xvSXpfZFRHOHBDVzFUYkJrazBaQzlzNlVWbjY2N084ay0yZnpJem8?oc=5) · Alabama Department of Labor (.gov)
- 2024-06-10 [Baptist Health receives Great Place to Work Certification - KATV](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQWGdRNVZzWGlOa2tBeFh0RXMtcU9tb3ktb2NDbU9uckkyYnhSbVluSFFOdGxHcE9yQW9QdktLbzBpam5fdWpDa3ZkWXh4LUktQzBwS0tKVDVwS2pDakRzcVZuUHk4TFV2eGhVR29Qbk15Ri0zdENOZzJHQjVEbFJ2STJlaGpSb2RaLUxMcURKcVhpYmM5eUlNZ3NwSmcwTmk2T0hoZUhiSHd3cHF2bHRuODAxNy11b2RxZXlsZGxIc3pjT1hKemdkWHFZeTBBWGJf?oc=5) · KATV
- 2025-11-12 [AMP Best of 2025 - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9VdF9SRmZYZHN6eWVkMnZvNjhYYjJJZDFuVmxta2toU3RFWHdydC1fVHp6VVBpZmRuQ1FOeF9VcTR0b2wwVnJxME9KUWxkbG9CZjcwY2hNRjVoZktlNkppZ0VR?oc=5) · Arkansas Money &amp; Politics
- 2025-09-15 [New Hires & Promotions at Stone Bank, ASU & Baptist Health (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMijwFBVV95cUxNb01IV2ViSWF1cjNaUXhlVEVrZXlkcmpxODFHdExPOWNUQ2h6RkxEVjZQcExHUmZHQmU2cVZ0NVNSR0VublBrSWhaV0pHWE1hVFBJMUVhOUlBTEFzSC1vSk1CUXFGWUdhZnRqa0ROX3FZa2U1dU9Td3VMX2tob0JfcTQ3ZExVWWZ5eGNGdFdUSQ?oc=5) · Arkansas Business
- 2015-12-10 [Erin Kahylene Propst Obituary - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMifEFVX3lxTE5uWjEydGJoeWo3QzR2aHc1NlBVWTRWVTN5ZHhTUHRjNmlRQjRob2lPWWhETk5tNU8zSy1zNVNkRmFTazZPWVhpM0ZhRnFfMVpJXzZJWTQ5VHd5OWVTUG12eXlaYXBSVDdTbzRDM2RqOHlLd2V5c3UwOFF5Q08?oc=5) · Northwest Arkansas Democrat-Gazette
- 2025-05-03 [Emergency, urgent care facility coming to Radcliff - The News-Enterprise](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNalVhZ19xV01VSjg5ZGZWbVk5SFB2ZkxTbG1vclF3R0VMOENERHZLdTM5V2dpVHIzVzB1eTJUcmZIWnl6cjY4MUFxTE5vQmZYbE9SWVJYdHBPMXU5ZXFvLTVFUEZsYmM2VkVJZXhSTlBOUVpoM3hIa0pRMTlKSU1tbmUwd1RCVEtZSTUwWWJGUThVT2ZaQW91cElYU0dwVHJfX3Vtak1vRlU5NHU1MUJZNUFrQjUwMnlvZVJBamVRSG5acTg0cjBHUFhZQmF5ZjhIb3NZWjRBSWpoV01D?oc=5) · The News-Enterprise

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12813 (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/13.json (key "12813", 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=12813
- 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