# CLEARWAY
Malvern, AR · NCUA charter 13762 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/clearway-13762

Who the members are: federal charter, community charter, organized 1960, low-income designated. 8,953 members of 205,915 potential (4.3% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *ordinary*. 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 | $81.0M |
| Members | 8,953 (-2.7% YoY) |
| Full-time staff | 29 |
| Net worth | $17.6M |
| Net worth ratio | 21.8% (p94 of band) |
| ROA (annualized) | 0.35% (p32 of band) |
| Total delinquency | 0.82% (p64 of band) |
| Net charge-offs (annualized) | 0.65% (p78 of band) |
| Loans / shares | 86% (p92 of band) |
| Cash / assets | 24.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.59% (p98 of band) |
| Operating expense / assets | 6.60% (p98 of band) |
| Vehicles % of loans | 49% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 5% |
| Third-party paper % of net worth | 8% (p63 of band) |
| Vehicle delinquency | 0.83% (p63 of band) |
| Vehicle NCO | 0.63% (p71 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 87% |
| Certificates % of member funds | 9% |
| Average share balance | $5,026 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $12,386 |
| Loans granted, annualized | $23.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | assets shrinking |  |
| 2017-12 | 4 | expense trap |  |
| 2018-03 | 2 |  | assets shrinking, expense trap |
| 2018-06 | 3 | expense trap |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | assets shrinking |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 5 | delinquency rising |  |
| 2019-12 | 5 | members leaving | delinquency rising |
| 2020-03 | 5 | loan book shrinking | assets shrinking |
| 2020-06 | 7 | net worth falling, margin squeeze |  |
| 2020-09 | 5 |  | auto monoline, net worth falling |
| 2020-12 | 4 |  | 3rd-party paper>100% NW |
| 2021-03 | 8 | net worth falling, losing money, delinquency rising, charge-offs p90 |  |
| 2021-06 | 6 |  | net worth falling, delinquency rising |
| 2021-09 | 3 |  | loan book shrinking, losing money, charge-offs p90 |
| 2021-12 | 2 |  | members leaving |
| 2022-03 | 2 | net worth falling | margin squeeze |
| 2022-06 | 2 | members leaving | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | assets shrinking |  |
| 2023-06 | 2 |  | members leaving |
| 2023-09 | 1 |  | assets shrinking |
| 2023-12 | 3 | delinquency rising, assets shrinking |  |
| 2024-03 | 1 |  | delinquency rising, assets shrinking |
| 2024-06 | 2 | assets shrinking |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | delinquency rising | assets shrinking |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | net worth falling | delinquency rising |

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

- 2026-02-27 [Diamond Lakes FCU Rebrands as Clearway Credit Union - malvern-online.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQd0Qxck4zVzRmTWxkd2lobVRnbG5HRW5DV19qN0VwQng5UHV6Mno3UjI5OVR1SkRUanJ0a1FsQzJCaXQwUFRHMGxtcTJWY3FKWWxiVmRHTV9qR0RkYk5faVlsam5jRXZHY3hKY0NTYlViczhDOUp2dmhGWENuY25kVm9IRDFheXE5bnZkc3M5N1k3MVpfVHlzXzRxbUlaSk1RYjQzVjZCYTFBdDdaRW9zQjBZZWk3MjhlYUxHYmtXQlJDRlN4enVNbjlINmNBLUYzTkdJ?oc=5) · malvern-online.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13762 (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/2.json (key "13762", 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=13762
- 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