# COMBINED
HOT SPRINGS, AR · NCUA charter 18474 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/combined-18474

Who the members are: federal charter, multiple common bond, organized 1967, low-income designated. 1,773 members of 4,000 potential (44.3% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.9M |
| Members | 1,773 (-5.9% YoY) |
| Full-time staff | 4 |
| Net worth | $1.2M |
| Net worth ratio | 13.2% (p39 of band) |
| ROA (annualized) | 1.03% (p71 of band) |
| Total delinquency | 2.21% (p80 of band) |
| Net charge-offs (annualized) | -0.03% (p18 of band) |
| Loans / shares | 89% (p90 of band) |
| Cash / assets | 18.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.40% (p92 of band) |
| Operating expense / assets | 5.88% (p88 of band) |
| Vehicles % of loans | 62% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.44% (p83 of band) |
| Vehicle NCO | 0.54% (p81 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 17% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 11% |
| Average share balance | $2,840 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $8,960 |
| Loans granted, annualized | $2.7M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2026-06-24 [CommunityAmerica acquires naming rights for Razorback Stadium - Talk Business & Politics](https://news.google.com/rss/articles/CBMimwFBVV95cUxNbGhWa2ZwVVNMLXgyQmZ1YUFTSS1pLTBkNFRLeHd5XzFvdDZ5QTd5U3Q4VlhDR1VBdnFHR0dxOV9hR3F2T3YweVdEUXlwVXFqY0habWM2S2YzLVVyRjRrWTI1NUdlNkRpWkhiSXpVelk1UWlLYnVuV3BhamhGVzlWcjJVQ212WW5jMW84WHVqbHJHd2p0cjd5M3hyQQ?oc=5) · Talk Business &amp; Politics
- 2026-02-26 [NCUA Approves 157 CU Mergers in 2025, Slight Drop From 2024's 162 - CUTimes](https://news.google.com/rss/articles/CBMioAFBVV95cUxPU1QtMk1hZUJjZ1VLY0ZPVmpqR1JlZ1BlRXc3NGZkc0ZuVVFEOHY4SzdBR3JFTjd5dWRBT2ljWGp5WkNGbXcxVjhEcDNCTml1WWhkLWZOZlZNakplcUtyY2w2cndZT0NfSDh5UWozUE0tclRaTXZ0YzIybV9neVptUUY1MGtGMklIcXNZV0ttekFHTW55M3hTZUtNeDkybDRs?oc=5) · CUTimes
- 2025-09-23 [Collin County credit union to be eaten up in merger - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxOM1B4RmRzWUwzMVVxWlZGbEpZcFJNa3E4R01CWExsZHhMWFNzTjNpR1NTZGhxeEEyVlJtQk9wT3J1VUpocHZzSXFvLXhiYWE3RFV0MGRscHVBdHl1V0xGQlpnRDl5MWw3MzY0ZzRMZlZSc2RkTmtET2dDNlROTkstTmxXQVh3cWktRmJPNi1fVWVJX1VEdTB4aUN2dw?oc=5) · The Business Journals
- 2025-05-28 [Multipli selected as name for combined credit union entity - Springfield Business Journal](https://news.google.com/rss/articles/CBMikgFBVV95cUxQUWtpM2JHMDI1aEc4ZkhaVHVVTFJmZ2pNblE3aHpTRVJiaTRxdy1WWmZITklzS01DQlF4SjBsVXNtNzA5bjdvTlBjbWhlMU1qQ0x4amdZOE5CUHdMU1lNV2F6MTZmb2M2ZE1tZUNnR0RpeXBxSVJabUNBMVB5cG1SaGJ5QWIzTWQ2UnV1MWpxOEFadw?oc=5) · Springfield Business Journal
- 2024-09-30 [First Tech announces merger with a Massachusetts credit union - OregonLive.com](https://news.google.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?oc=5) · OregonLive.com
- 2025-04-24 [Colorado Springs-based Ent Credit Union to merge with Minnesota financial institution - Colorado Public Radio](https://news.google.com/rss/articles/CBMibkFVX3lxTE5JS0U0bmcyQnVuaHBNTnJKVHpmSnN1UXdtcF9qSm82UG1nRklYTnd2YnJuMVRyVWlBdVhvN19oamVYRi1HZnZlcVhFSXdRM2h6djJuX1dETUJydkFXWTZZYm1JRGQ2eF82aGgzNGN3?oc=5) · Colorado Public Radio
- 2018-01-08 [Credit Unions, bank in Arkansas, Louisiana, and Texas move all their ATMs to Dolphin Debit Management - CUInsight](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOSXAxVjNlb3dDd0lteHFGX2x4SVBiSlJzcUgtb3dleWhfSmFzQnl3UEhxRHZxb2xYUmdPM3pBc1BEeWV4a0N4R01IOVJVSEVNWmgtdzN5Q3Z5QS12V3pqUlYtQlYtbUJVZEVKQXdlNUVqUDhYSmpJNjdHbEFYdzY3NzVIaVpjTDc5bERsOXlGcHZlcmNkMEVmNFZmTFRnNWtIWXZ0b0Q4XzBSWFpxTUFNbk1FUGt2SWY2R3RB?oc=5) · CUInsight
- 2024-09-17 [$5 Billion Credit Union Formed as Two Texas Credit Unions Merge - Shoppe Black](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBzSXUyN2FHWTNWaGtKcUwxZ3ZvejBDaXpwRFlVVFl5MGZuNmRPVFVyeTY5TWsxWExSR0dXVzRSbi1ZWjV3OXNiRkU1QkJzVXZwMzMxQmpfVWNWb01Edk5hcG9VZWgtNDg?oc=5) · Shoppe Black

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18474 (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/42.json (key "18474", 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=18474
- 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