# ARKANSAS BEST
Fort Smith, AR · NCUA charter 13737 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/arkansas-best-13737

Who the members are: federal charter, multiple common bond, organized 1960. 11,439 members of 65,789 potential (17.4% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 52.

**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 | $144.9M |
| Members | 11,439 (-3.2% YoY) |
| Full-time staff | 30 |
| Net worth | $23.3M |
| Net worth ratio | 16.1% (p87 of band) |
| ROA (annualized) | 0.81% (p57 of band) |
| Total delinquency | 0.25% (p20 of band) |
| Net charge-offs (annualized) | 0.70% (p79 of band) |
| Loans / shares | 47% (p14 of band) |
| Cash / assets | 44.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.22% (p24 of band) |
| Operating expense / assets | 2.97% (p26 of band) |
| Vehicles % of loans | 67% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.15% (p16 of band) |
| Vehicle NCO | 0.17% (p28 of band) |
| Repossessed % of vehicle book | 0.07% (p75 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 11% |
| Unsecured % of loans | 23% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 30% |
| Average share balance | $6,056 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $9,553 |
| Loans granted, annualized | $18.4M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 0 |  | losing money |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 2 | losing money |  |
| 2017-03 | 1 |  | losing money |
| 2017-06 | 2 | delinquency 2x band, delinquency rising | net worth falling |
| 2017-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2017-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2018-03 | 2 | charge-offs p90 | delinquency 2x band |
| 2018-06 | 2 | delinquency 2x band | delinquency rising |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | delinquency rising, members leaving, loan book shrinking | charge-offs p90 |
| 2020-06 | 6 | net worth falling, margin squeeze, charge-offs p90 | delinquency rising |
| 2020-09 | 4 |  | loan book shrinking, net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 |  | charge-offs p90 |
| 2021-06 | 4 | charge-offs p90 |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 5 | delinquency rising |  |
| 2022-03 | 3 | losing money | members leaving, margin squeeze, charge-offs p90 |
| 2022-06 | 3 | charge-offs p90 | delinquency rising |
| 2022-09 | 2 |  | losing money |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | members leaving | charge-offs p90 |
| 2023-06 | 3 | charge-offs p90 |  |
| 2023-09 | 2 |  | delinquency 2x band |
| 2023-12 | 2 |  |  |
| 2024-03 | 6 | losing money, delinquency 2x band, assets shrinking, auto monoline |  |
| 2024-06 | 3 |  | losing money, delinquency 2x band, assets shrinking |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | charge-offs p90 |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | members leaving |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | members leaving |  |

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

- 2026-02-03 [People’s Trust credit union under conservatorship - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMingFBVV95cUxNcEdZZ21VSUdvTUw5aEtTMVVZQ290NUduWEFxVkV2Tnc3U1NHRzdpWDhmelpfSmtFNXlvNjl1Tk5kSFVwczVnb0xNWndacVJfRUtKbllRTUU1d01yckY1bnRBenhiZHRCdTJjWVU5dmtYcXhxbVZHMWl0aFdCV0VlRUZpUFJXWjVoSmliUENYdVNCeWpTR25URHFVd1p1UQ?oc=5) · The Arkansas Democrat-Gazette
- 2019-09-21 [Miranda Nicole Hoge Obituary Sep 21, 2019 - Brotherton Brothers Funeral Home](https://news.google.com/rss/articles/CBMiekFVX3lxTE5DNlgzTXlWamc0LTVMMXlILUZJM2E4MW9fOTlhU2JGRDd0S3VVSnhtMWIwUVd0am5CNUxkUUtRaGZlRHJ1dkFHbEJ1eFVXaGhYWmNWSGZNSHRVczhlOC1mQjN2VzJyRzJzVjFjdk9GSW44Y1FNSU5tbDJn?oc=5) · Brotherton Brothers Funeral Home
- 2023-12-18 [Paul Garrett Obituary - Greenwood, AR - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOR2dMT1lVYjRWLUJOOFpfRHdZajQ0Q1I0aHEtQTlBdjlvTm9pa2FPODlvdjNYamRwNi1iQVFTcjRJazBpOEdkaWhoV3E5T0Uyb1dUUjhwNjBRRURYcHIyYTFMSUVJbUh4UFJSN0dROWpad09ZRVlLYjhCQzZGdlVnX2xkRQ?oc=5) · Dignity Memorial
- 2023-09-16 [Joe Barclay Dablock - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMigwFBVV95cUxOVDRCRENlLXpLdlRaMURGYnhBUFpvUHZSd1pWUkIwOHdKMHhkVXhubFV5b3F0dWRhekVJM2UtNDB6NmIyZTZhMjU2RW11c0JaR1FfdU5xMElLUUZDMVdpOHVBaU5RNWM2R2ViaU5SQjVDMGd1QVZ4NG9JWTRPeTBaS09Tcw?oc=5) · The Arkansas Democrat-Gazette
- 2011-01-21 [Hugh Hembree Obituary - Fort Smith, AR - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPdjFKZXBybEJRLUZocUt2bE1ISkNnZEpGTjZVT0c1ekVUUzBkMGpxa1E2eHR6R3RZRG51LThQVG44MTM1ejdjUVM3QTVLN1NBX09tMUc0d05FeW9mM2xTYndQN0R6d0JhR2xHR2V2LWVWbEV2dDFuMExqbm56RHNvUnZIVQ?oc=5) · Dignity Memorial
- 2014-12-29 [Sharon Kaye (Hamm) Hankins - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihwFBVV95cUxPbHhqdi1pNnhhcG5zSW5hc2FMc2JEa1ZiWUNDOTUtdjNpdDQzTW5XNE9jaXVld2lSdlZzb0lkbGhPRVRLSmV5ZUZHS2wtX2FxLW9xS3RvaDFnUkxzTEM4cjdyaVF6Z3A4US1kekdNeVFxVWFfcnJJTFpWSGMtR0NEenVkdDVldHM?oc=5) · The Arkansas Democrat-Gazette
- 2016-06-19 [William "Bill" Alexander - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQZXVZVzh2S1pxQmdKVmhHMEowYmdPSjdBbk53dE1OU3Rmak1tRXZUQWFqb05QMjVQZ0tkbEFnajVvak4yYXljZWNzUTdzWVA3UUhIbXJ1dmVidzFvaVpISDluZ3VPSVBmRG9ZNWxKZ0JlbjhRWVRDNC1RQkM3OU91VUV5T21Zd0lLMUMw?oc=5) · The Arkansas Democrat-Gazette
- 2012-02-21 [Woody Allen Harris - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihAFBVV95cUxNV294ZDFDenJqSG5pVFlOLW9mbzdvbU9pZ3htMkpfVF9pazRhb2JrWDJDbVVxZWozbm0tR3MzTXRRa3JGWkR0ZEMtbWl4RWp3dXRMd1VIZUQ5YzN0R19fbnd4bEdka0lFZzdXZlQzQzlobFkxb0d6OXNmendfRnB4ZHc4b0o?oc=5) · The Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13737 (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/41.json (key "13737", 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=13737
- 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