# UARK
Fayetteville, AR · NCUA charter 16946 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/uark-16946

Who the members are: federal charter, multiple common bond, organized 1965, low-income designated. 7,026 members of 145,000 potential (4.8% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *quiet fade*. 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 | $81.3M |
| Members | 7,026 (-3.4% YoY) |
| Full-time staff | 18 |
| Net worth | $10.6M |
| Net worth ratio | 13.0% (p52 of band) |
| ROA (annualized) | 1.20% (p75 of band) |
| Total delinquency | 0.21% (p21 of band) |
| Net charge-offs (annualized) | 0.15% (p39 of band) |
| Loans / shares | 76% (p79 of band) |
| Cash / assets | 24.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.10% (p73 of band) |
| Operating expense / assets | 4.06% (p67 of band) |
| Vehicles % of loans | 55% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 7% |
| Third-party paper % of net worth | 18% (p68 of band) |
| Vehicle delinquency | 0.28% (p30 of band) |
| Vehicle NCO | 0.22% (p50 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 17% |
| Average share balance | $5,928 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $24,119 |
| Loans granted, annualized | $28.2M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## 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 | 3 | net worth falling |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | delinquency rising |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 4 | net worth falling, delinquency rising |  |
| 2020-09 | 5 | margin squeeze, delinquency 2x band | net worth falling |
| 2020-12 | 5 |  |  |
| 2021-03 | 3 | net worth falling | delinquency rising, margin squeeze, delinquency 2x band |
| 2021-06 | 3 | delinquency 2x band | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 | net worth falling | delinquency 2x band |
| 2022-03 | 4 | delinquency 2x band, members leaving | net worth falling |
| 2022-06 | 2 |  | 3rd-party paper>100% NW, delinquency 2x band |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | auto monoline |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 2 | assets shrinking |  |

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

- 2024-06-13 [Then & Now: Williams to pass torch, wrap up 32-year career at UARK Federal Credit Union - Talk Business & Politics](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOR3FySzlRM09TUkJ6dGgyV1pkSlA3VHpKZU54NEQyeU1IdEdsUkRpQWx3eVlqV2VJdVR2aGFKSG02UmRwa3ptTTZzY3hYdVZldHlJcExKVDlNUHZSaENzNlhDbVJRSFQzd2hUUkFsZktYRlR4djlxMWN3RTBtTVg2M1MtQmxxNE1USW5lTDVpQnFGRTVqMS11S01MaWlHWFhVWmhCb01ieGRyR0NucUZ6cHdGS3hXQkV5?oc=5) · Talk Business & Politics
- 2010-05-02 [Credit Unions Growing - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMif0FVX3lxTFA4VWVoN2U3cEhxV0NxbG5VcVppdVBEeTBpRUxLdGNpMjlxSlgtSlkzUDJ2OVpfcjlKamV3eVp0Yk43S0lwNk1rUVZrNUtfYTNVZXVqOE1VWG10U1hxd3czQkVvdjJBODlqYmk3NG1PNlFHZTQ2dDNkek4yRmZpTkE?oc=5) · Northwest Arkansas Democrat-Gazette
- 2019-10-22 [Team UAMS Turns Out in Force for First Health Fair - UAMS News](https://news.google.com/rss/articles/CBMijAFBVV95cUxNa3A5Ny1RN3JQOWxKaDdnRXdXLXltLS1rWGdwUjNQNlNycnpuallsWmZNSDh5eW5yQzRWQndjYlY4X0xRZWdwTW5wWEd4Tjc0NFVIVElsQ1pxNTUxalFrTndDdlJOS1FLaDlwZndoZDlWckZXa0p3dEp2TF9rc1VMVG56c0JRdUdfTXpnTw?oc=5) · UAMS News
- 2021-10-11 [Bobby Lee Odom - AL.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOaHktZU1qZnc5dDZRUkFuOHpCODBuUDJfQ2xBam5QYW9maHVLZ3JLYmpLTk94ZjFkaE1hanpzcXpGcEN3YkZCcFQ1c0RpeXVacTFWWmlNMzBYQTFDdGNvMzVwYjl6UnJUeEJUdzAwYk44LUNNVGNzbmE4ZWhsVm92SV9WQQ?oc=5) · AL.com
- 2021-10-11 [Weekly deals: Patio season, happy hours, and more - Fayetteville Flyer](https://news.google.com/rss/articles/CBMijAFBVV95cUxNc3QwTUpLSVJ1RFBaWll3MW5TbUJUNjg2djliSjJtRUdNNW1xaXdLNjRzMl9KZXB1a2M4eVdqeGVWYURFSWlvSkJNWE5YX1ZIZzJ3T09uamJlaWZWSW82Q2hUQkYtWERiYlI2UVZjc2pzZ0s0UmlCZWF6R2dEUkxFcTR5XzRnTUlGUzhEUw?oc=5) · Fayetteville Flyer
- 2022-01-29 [Michael Hampton Obituary - Fort Smith, AR - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNem80RVBYc0k2RjR1cjB2aDhfbGV4SGFXUE1DaUZFZVk2U1U4V0hDNk9MWm9HN2RjUUcxSEZsOC1lWXdHWm9DTVI3VktFVTFOazFISUEteWtoVjRKcnpoZERtODRjRjNrdnVza1YxZ1pqZ24zamhEYjh0MWNJMFprN0t3WkVZRkJX?oc=5) · Dignity Memorial
- 2016-12-12 [Kinco CEO Doug Wasson Hammers Home Need for New Craftsmen in Construction - Arkansas Business](https://news.google.com/rss/articles/CBMitgFBVV95cUxNYTc1dy1seWdaN3VjekNPWU9SbDBIamNIdUxJeHkwNHZzbC0wRjNfc0VNMEd0QkZXdW1Jdlc5YVlqbWNua294VTRFcTQ1ZVpBMVhPajRCM3NrMkFSY3A3bzhNWjY5cGJMQmcySFFRcFk2X3NDWjBQenZEODBaOXNDQmdzZExmS1RLOWlkeUk5akxmVVYtMnhGT1hpZFY5X1ZEMUhLRGptVWY3MWRRWllVUk9uQjdSQQ?oc=5) · Arkansas Business
- 2014-03-12 [Lyell Thompson Obituary - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMigAFBVV95cUxQejZuNzRBM3VibWxWQmxXZE9BRThlX1BhWTlyLTFWY3U0ZU9yUWZOUzM1YmlZU0ZWcDhjZkwzSWJ5aUdtRDBmbEtXdFZRQy16OWc1SlFxSnBJSy1yNUdrOGR3UE1OTzFLdkVMRlZYRjNIYXlRUDVEQzkxWUNHbU9qcg?oc=5) · Northwest Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16946 (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/50.json (key "16946", 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=16946
- 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