# PRIORITY
Russellville, AR · NCUA charter 18353 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/priority-18353

Who the members are: federal charter, multiple common bond, organized 1967, low-income designated. 1,974 members of 2,000 potential (98.7% of the field); checking penetration 29% (share draft accounts per 100 members); loans per 100 members 19.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $7.8M |
| Members | 1,974 (0.3% YoY) |
| Full-time staff | 5 |
| Net worth | $854,151 |
| Net worth ratio | 10.9% (p23 of band) |
| ROA (annualized) | 0.02% (p24 of band) |
| Total delinquency | 0.30% (p36 of band) |
| Net charge-offs (annualized) | -0.08% (p12 of band) |
| Loans / shares | 80% (p81 of band) |
| Cash / assets | 22.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.11% (p60 of band) |
| Operating expense / assets | 5.56% (p86 of band) |
| Vehicles % of loans | 86% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p87 of band) |
| Vehicle delinquency | 0.28% (p43 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 97% |
| Certificates % of member funds | 3% |
| Average share balance | $3,270 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 19% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $14,429 |
| Loans granted, annualized | $3.2M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | repo signal |  |
| 2016-12 | 3 | delinquency 2x band | repo signal |
| 2017-03 | 7 | losing money, charge-offs p90, repo signal, assets shrinking, loan book shrinking | delinquency 2x band |
| 2017-06 | 7 | delinquency 2x band, delinquency rising | charge-offs p90, assets shrinking |
| 2017-09 | 6 |  | losing money |
| 2017-12 | 6 | assets shrinking | thin capital |
| 2018-03 | 8 | thin capital, losing money, margin squeeze | assets shrinking |
| 2018-06 | 7 | net worth falling | delinquency 2x band, delinquency rising |
| 2018-09 | 8 | delinquency 2x band, charge-offs p90, assets shrinking | margin squeeze, net worth falling |
| 2018-12 | 6 |  | repo signal, loan book shrinking |
| 2019-03 | 6 | net worth falling | charge-offs p90 |
| 2019-06 | 8 | delinquency rising, members leaving |  |
| 2019-09 | 6 |  | net worth falling, delinquency rising |
| 2019-12 | 6 |  |  |
| 2020-03 | 6 | loan book shrinking | losing money |
| 2020-06 | 5 | net worth falling | assets shrinking, members leaving |
| 2020-09 | 5 | margin squeeze | net worth falling |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 | net worth falling | loan book shrinking |
| 2021-06 | 4 |  | delinquency 2x band |
| 2021-09 | 3 | repo signal | margin squeeze, net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | net worth falling, assets shrinking |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 3 | delinquency rising | repo signal, net worth falling, assets shrinking |
| 2022-12 | 3 | assets shrinking | delinquency rising |
| 2023-03 | 2 |  | thin capital |
| 2023-06 | 4 | delinquency 2x band, delinquency rising |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | delinquency 2x band |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 3 | loans>95% of shares |  |
| 2024-12 | 2 |  | loans>95% of shares |
| 2025-03 | 3 | losing money |  |
| 2025-06 | 5 | delinquency rising, loan book shrinking |  |
| 2025-09 | 4 | net worth falling | assets shrinking, delinquency rising |
| 2025-12 | 4 |  |  |
| 2026-03 | 1 |  | losing money, loan book shrinking, net worth falling |

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

- 2026-08-28 [The Top 10 Financial Priorities for Baby Boomers Today - Money Talks News](https://news.google.com/rss/articles/CBMikgFBVV95cUxNand2Vi1XMmxGa01nNHRxMjBCWGdsaE9TS0VPaTdYcU9nNTBLei0tQW5NWHJ2dmJsZUNDS3R1UHlPTHFUOWVRZWRhRmVncDZZLVFPMkJZR3JMSk96VmJJLWdhQ2ZGakpBcVVNX0tfYVRtVnBQTk8yM1h2Sjc0WjlfTWlDcG5rdXR1S3oxd0VPckZXdw?oc=5) · Money Talks News
- 2025-11-14 [This checking account offers 8% — and these 3 have 7%-and-higher APYs - MarketWatch](https://news.google.com/rss/articles/CBMirAFBVV95cUxQWTcySVFCRnlwNWJxb25hU2FUU2V3b1Rka3E3cFJXQ2VudmZ6RllKc3RJbDVHelN3d045NE8yenJhVFp2d1czWTFDSkl5M2E4V0Uwc3praHhGRXFHUHJ2SkFYWnR3cGR0VjlNenZKME5TLWV0bmJFbF9iTWpYWjBvYjdEbGlZM2xHZUFyYlVvbGlLemJkdzBKSUlWR0RzeVloWmczTjFVVV9OSVZG?oc=5) · MarketWatch
- 2025-10-01 [4 Credit Unions Deepen Community Bonds With New Sports Deals - CUTimes](https://news.google.com/rss/articles/CBMinAFBVV95cUxNQnZUUWlTZjVzcjVzd0lJa1hNc2poRm5iRFpjMkRneGpoQkNBVkN4S1NJaFJEUl9IRnIzMnBHQk1SdXd2RVozWjdubUl4Y3hMR1k0MlRQQVNfSnRKY0Z0WC10d1cyNm5mNjQyb2NnVnRSWURFcGNOTHJCTlRfRDd1dE5USExSbjhYNWpoakNVb1VuUllabGV1U1NuQXY?oc=5) · CUTimes
- 2025-08-30 [First Priority Federal Credit Union celebrates 100 years - herald-dispatch.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQMXdTN2M1VEZ0dVpQcWtnUE1HZ3pqXzNMcEcxbllQTlZOYWhkaXN5TjdSSS1Ncy1aSzhBSFpLdWZxb1A2OXd1ZXZ2NmktLUZmVkViTUNQN29oamdITlZYX2hCWVYyZmlKQkRyUVhRUUZsWVpJQzFmV2lnWHh0ZG1HZ0lCZWcxWnpNaVE0aVlpT1RWaDZjZzZ0TzcxZnViU0FUTDVMTGJ5MWl3QWZOSEtPZElveDNrU25GZGVvdGR4RzdCUnk3TUh5X1I5VFlEVm1UZzhKNW55OXZqYVltRTloTA?oc=5) · herald-dispatch.com
- 2025-06-13 [Fed bans Arkansas banker; Pennsylvania credit unions to join - American Banker](https://news.google.com/rss/articles/CBMirgFBVV95cUxOZHFjT0J0Y2JZRXN4TnZNcUt5M1Q0STVOSHZZdjNHZ0lIaDJrVS1ua0x0TUZPcFNUalRwb3hvLXJtZUtPUmFjSUdJZlJVMDZTb2habkJfMXNhREY0UG9GUFU5c3AtOXZWZDRVV3NNc2RyRVVvRmYwMFhsNmVHenR1Nk9BUmlPX1JGQlJNall3a1ptNVhFSFh6dU9IWExMbF9jZWpZVFlxZzdVMFVYcFE?oc=5) · American Banker
- 2020-04-16 [Tower Health Receives $10,000 Donation from Diamond Credit Union for PPE - Berks Community Television](https://news.google.com/rss/articles/CBMitwFBVV95cUxNRlZ0c2JnTkZ6VVpJRlNFVGpHd2NtSGo2TV9tZkNjRDk4cjg3NlZ0QTllZ2JiNHUzUTh0eDJJaTcwQkpfWjVhQ1RmOXpQaVR5TjdWaHUyamYwWDN1U1h1bG5qWVdSNTdGaGlpbUt4SE5ldk53c01GMFFfVk5jeU9HTklXUXpFSVBlVndzSU8tQzU2MXBWV184a2hhUUFSOXVrZmRqVDhNeC1xeGJEWmdlUEcwcFpQaGM?oc=5) · Berks Community Television
- 2018-07-26 [New Site for Arkansas Federal Credit Union Tops Recent Real Estate Deals - Arkansas Business](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOT1owa0t3eWROS216ZzYxSXhNczR6Tkp6Q3pGZDVpMmhqcDJmNndRbXN1bmlsUHo5OXFYQ0hNcXA5aFBaby1aVHhUeG53QlBpaHhGV1lOTFZVak02LXl6MWxCSFE5MHdQckZuN2xPdktFdUtEbDU5WnpMSC1HMy0xY0gya0ZrUThtU1NERzNxeGFENkZRTHhrNUN3Y1ExT0JVSGtZQ3U2dGNjbFU?oc=5) · Arkansas Business
- 2025-08-27 [The least expensive cards for airport lounge access - The Points Guy](https://news.google.com/rss/articles/CBMiigFBVV95cUxPaTYxSXBJY19IdXpPRkZzekZQTExDS1UtMGsxRkx1bUw0NG55bERpbTAyaGwzdE82T1RZNWYtam9CUTdScFg3TXFOQm15Y0ExLW00ZEc5cDIzZ0pOYzBDdERCbXAwMjZnNkdLTk1QYUNmcGJQamhtWlYwM2FUTFdqQlh2dEhJSk1Xemc?oc=5) · The Points Guy

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18353 (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/49.json (key "18353", 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=18353
- 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