# ARROWPOINTE
CATAWBA, SC · NCUA charter 13573 · asset band $100-200M · latest filing 2021-12 · stopped filing after 2021-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/arrowpointe-13573

Who the members are: federal charter, multiple common bond, organized 1960, low-income designated. 16,572 members of 338,302 potential (4.9% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $186.5M |
| Members | 16,572 (-6.7% YoY) |
| Full-time staff | 56 |
| Net worth | $12.4M |
| Net worth ratio | 6.6% (p3 of band) |
| ROA (annualized) | -3.09% (p0 of band) |
| Total delinquency | 0.46% (p61 of band) |
| Net charge-offs (annualized) | 0.32% (p83 of band) |
| Loans / shares | 61% (p52 of band) |
| Cash / assets | 18.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.53% (p58 of band) |
| Operating expense / assets | 7.29% (p100 of band) |
| Vehicles % of loans | 36% (p47 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 21% |
| Third-party paper % of net worth | 63% (p64 of band) |
| Vehicle delinquency | 0.33% (p55 of band) |
| Vehicle NCO | 0.10% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p35 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 19% |
| Average share balance | $5,449 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 70% |
| Average loan balance | $10,404 |
| Loans granted, annualized | $45.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 4 | thin capital, losing money, expense trap | margin squeeze |
| 2021-09 | 4 |  |  |
| 2021-12 | 8 | capital below 7%, delinquency rising, members leaving |  |

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

- 2020-09-29 [Founders, ArrowPointe credit unions with almost 250,000 members propose merger - Rock Hill Herald](https://news.google.com/rss/articles/CBMickFVX3lxTE5PbnljTmdvQjBNVFFnRDRCMXRkbXVkT3B2ODRmeGxyenVrcUpmSG5OMHR6dVhYY2lYMmZNeVppWUVRNnducmZBMzJ3M3N5dzhSWEFOM3hqZmhJLU00M2FkMzdMbzhFQVBZUXRUZ2FCQ1pad9IBckFVX3lxTFBoZ2liOW9UaXU5eWsxUXZidU44WXRDVDJNSWFTVk1aT19CR1RlYk82S0w2NUpRRUE0a21RdW9nYUZhV1dpeTRKNngxenUwX2FHVUF3QWUzMXhoZmpxN1paOGxSN1U4d0x2SHJ2cF9QT3RpUQ?oc=5) · Rock Hill Herald
- 2014-09-25 [Suspect arrested in Rock Hill credit union robbery - WBTV](https://news.google.com/rss/articles/CBMinwFBVV95cUxQZUR6b3BKUDZjRGJBTEVTM1RsVHJYMVA1OVBLbmRIYV9jRGlFajlzMjlGajhHSlBMTHd3Mzdrd0x0eVI0MVYtSDY2cDRYc3VVNy1icFZONkNqYUNsZUJOY00tVTVJcjZ5VWFia2tRR041OVpHMTAyWmEzclFKcjh2THlrSXJ2eG45TUZjSFFMbk0yQ2QxcEphbkFPbFZRNnfSAbIBQVVfeXFMUG5neHYzV2N1cU9nOF9KSzd2dmpVWi1jenRjekR2ZXctc01sY2IxRm9ycnkxU1lOVjFqM3B4V3B1bmFpRG1KWVQtZTBPWFdkTU9iWHh6dThLYmpaS0ctMjd1TjZoZGV4UVFEOTNWeWFXTHhNdzgzMFlxMUdBeVlueUJzRHNiS2FiS0F6a0tMbkxJTzYxU1B2cFZLXzA1OXVGaUlWbWZVNjhuY084dmExTmFpQQ?oc=5) · WBTV
- 2025-08-22 [Gary Dale Skaggs - Greene Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE9QOVhvMkI2R21MT1R0QWlnOXZJMkdUUjZKVHlZUHpuUmRqZE9tNEVZSnUyU1psMGxYcTg2MzFEVEhsSzJOX1FIMm5xajk2RXVDZlYwN2YwT2Y0ZFRhRVl5OVpwT2pfNDY0a0F3eA?oc=5) · Greene Funeral Home
- 2014-10-09 [Rock Hill bank robbery suspects face new fraud charges - Hilton Head Island Packet](https://news.google.com/rss/articles/CBMigAFBVV95cUxPX2VfRE12dWRvTndJV0FUNzdVS0M5YWNKb3ZYR0NtZWktQUF1NVUwaXhrWkRVQlhTRDdxckgxTWhxanczTFZCVFBaNmdhcWQ3dGR5dDFBVEJjOWJWUk0wT2ZITnN3QUtGZkxsMlE1RlpuOHdCcVR4NDZiT0htUFFuOdIBgAFBVV95cUxNcC1aMDFVeFhzcklQTDZBSXZLMFdrVEVlc2Q3SjBjSElfYnJsaFc2Vl9YU21PbTJyRmRkRjF5U0FDcTJxWXBnREJTTGVMaWNwLVpkQy05bk5ERWFLSmFQWkR2YVYtRFlVbUVFaUNEczd3azM3TlVKWkFMdF9iUUVvNQ?oc=5) · Hilton Head Island Packet
- 2014-11-01 [Bond set at $100,000 for woman accused of robbing Rock Hill credit union - charlotteobserver.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE96QUxpSzlSaGZ4SWFYUC0wRC1UVll5M0JxTHRMdGNVVVhpQm1QVERpYkczWVVfTFprWEo0ODRNMHBjWmtTUV9rbjlYNTREV0VtdGNWekc5WG1paHZQeXBfREFkVTVnQ3JUTDRmQlpWdDN4QTTSAXNBVV95cUxPRy13ckprQzJjZDJxWjJtdTVzZEpFNkItS2VEeHRHYzZZRVBXMmFPbkpob2JuX1VET0ZEbzVCT0ZWMnpORnJDZFZHVGozR3JTWVhZcVVVOGNKdHc0UzhHbm00RHlfT21sdk9hRTBfZ2wxMEU4?oc=5) · charlotteobserver.com
- 2014-10-31 ['Lone woman' accused of robbing bank, arrested 20 minutes later - WBTV](https://news.google.com/rss/articles/CBMingFBVV95cUxPYTdMU0oya2h1ekVqUDlZb2xtODU1R2dzUjhfMjBkVWx1V0NPWlpkazJ0QTZkWkpFX19UelZNZERQOF9DY081RmRNR2pVZDVrenc3TktuS0lEN29abTdQU3E0X2dNeGlZVHVWbzl3ZUpWbUxkNHM2dk11MUFUY01WR2pIQndMZkx6ZFZqOGJHdnc0Q3NFVVFHdjV2WGFxQdIBsAFBVV95cUxOMHpBRTNEQkdNYTZXR196ZFFiODYzb3N1c05aLWVJTWZudVM1Y3NIU3hmX1VPOXVaZGZWTUVMQXptcWxDMTh3VVM3S09aR2UtTi1OdkRibjNqaFBKRmcwcXVtX29odjBlZUNkSk9hZmJLeHp4SktTLTVXd3M3ckY1blVwQWRmcUxmNjRRdlRUOFJaSF9XdkhDVU9fZFBULWc0dmRkOWd4M0Z6ckYyX0Vxcg?oc=5) · WBTV
- 2019-01-10 [He’s paid to help Hornets fans find their seats. So what’s with all these dance moves? - charlotteobserver.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE1GcENtdmRnYWlfTDlRYmYwdkRkaXgtR1BVRUNZT0RYdUY1QUtvbHpmcFcydE43WnJDOEFaTG03STFac191a1VHMGlsMWVuLXFZeUZwcWtQTDJGM2F1MHJKeVVORXNFSXpwVmpSa2hQRdIBb0FVX3lxTE10a295bU5wNjBORjM1RlEyWmppT2N6TXRGcUJ4RVdVQkRRZHNxcnB6U2FVSnBabEtreWN3S0NvR3pSU1ppSkY3bEpsRUlXNmpBdDVLMTB2cmdISmRWOERKT1F4ZnozYi14ZEUwQk9kUQ?oc=5) · charlotteobserver.com
- 2021-10-18 [Paul Crompton Obituary (1978 - 2016) - Lancaster, SC - The Lancaster News - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNVHI2Mlh1YXo1VUlaNjQwTmlGMmZMd2xhRll3dDZaMU05REQtYS1Jek5RbTM5R3IzWTdzTGZDNTNiZXpzTlR6bUYxdTBkdFZBMjFVU3l4eWtZdGVJOHZxWS1rX1lJTHR1SFV4UC1FdEFmT3BHZGFOM2owcXJjNTdsdTBPZVFlOFZuQTA4Sjg5dWo2ODl5WExXaQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13573 (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/5.json (key "13573", 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=13573
- 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