# NORTHWEST ARKANSAS
FAYETTEVILLE, AR · NCUA charter 195 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/northwest-arkansas-195

Who the members are: federal charter, community charter, organized 1935, low-income designated. 2,338 members of 270,488 potential (0.9% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $20.3M |
| Members | 2,338 (0.6% YoY) |
| Full-time staff | 4 |
| Net worth | $1.8M |
| Net worth ratio | 9.1% (p11 of band) |
| ROA (annualized) | 0.91% (p66 of band) |
| Total delinquency | 0.81% (p57 of band) |
| Net charge-offs (annualized) | 0.68% (p80 of band) |
| Loans / shares | 64% (p58 of band) |
| Cash / assets | 40.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.91% (p52 of band) |
| Operating expense / assets | 3.79% (p55 of band) |
| Vehicles % of loans | 78% (p81 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 4% (p89 of band) |
| Vehicle delinquency | 0.96% (p64 of band) |
| Vehicle NCO | 0.38% (p78 of band) |
| Repossessed % of vehicle book | 0.29% (p95 of band) |
| Real estate % of loans | 3% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 26% |
| Average share balance | $5,260 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $13,490 |
| Loans granted, annualized | $6.4M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, delinquency 2x band, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 | repo signal | delinquency 2x band |
| 2017-03 | 5 | assets shrinking |  |
| 2017-06 | 4 | net worth falling | repo signal, assets shrinking |
| 2017-09 | 5 | losing money, repo signal | net worth falling |
| 2017-12 | 3 |  | losing money, repo signal |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 5 | delinquency rising, loans>95% of shares |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 4 |  | loans>95% of shares |
| 2019-06 | 4 | loans>95% of shares | thin capital |
| 2019-09 | 4 | thin capital | loans>95% of shares |
| 2019-12 | 4 | net worth falling | delinquency rising |
| 2020-03 | 3 |  | net worth falling |
| 2020-06 | 4 | margin squeeze, members leaving | 3rd-party paper>100% NW |
| 2020-09 | 3 |  | members leaving |
| 2020-12 | 3 | members leaving | margin squeeze |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 3 | delinquency rising | members leaving, net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | delinquency rising |
| 2022-03 | 4 | delinquency 2x band, delinquency rising |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 3 |  | delinquency 2x band |
| 2022-12 | 3 | loans>95% of shares | delinquency rising |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 | delinquency rising | thin capital |
| 2023-12 | 3 |  |  |
| 2024-03 | 5 | thin capital, losing money, charge-offs p90 | loans>95% of shares |
| 2024-06 | 3 |  | delinquency rising, losing money |
| 2024-09 | 2 |  | charge-offs p90 |
| 2024-12 | 2 |  |  |
| 2025-03 | 5 | net worth falling, repo signal, loan book shrinking |  |
| 2025-06 | 3 |  | net worth falling, repo signal |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | delinquency rising | thin capital |

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

- 2026-06-24 [Arkansas Athletics, CommunityAmerica Credit Union launch multi-year partnership including Razorback Stadium naming rights - Arkansas Razorbacks](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPVG5wUkVRYUVPUVlNYTcwNUxWNjVTZ0FCTU82cWRPT0hILVdEclprZUU0OTg1RExERnRwWFJSSVVKanRxUGFkbGVEamJfMklNdmlqVXFUWC1TSUxMN0c5SmxvRC1PeGNGdzZ1TlFrdTdIM1JMSFhib2hkMTNuS3ZaS2RHRm42Y2lPWi1LZXlJVG9TUW4ya3MzcEhlWWV0M2hBclU4bVd0ZDJhRms0VkhYaGhvMzByVGxJRkNWcXdIRTJnSlg4VUhnRERGOTVscVZJNWNhN2hTOGRTTGtRUG5XWTlPNXpzWU0?oc=5) · Arkansas Razorbacks
- 2026-06-24 [Arkansas football announces new naming rights deal for Razorback Stadium - Whole Hog Sports](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOVjhyY1RwX01ZdmJvdHdMM0plMHFsbXNRbmcxa0lUS2FkZUdlMzJzNzdYQzJfMzJ4TWkxWGM5TjZjMFFfeHVHWFpQQ2FpMTNmdEkxYlY0TWhsSXNIdF8xbmZxSHBSQTRuU0FNeUN1bUY2Tk93R0Q2ME5reDljN0pJWXIwVVI0dFdIaU90ZjdQODVHMlp0bGVlbkdmd0w1SEYtQW5Qc2NDek9NVHpWRWthRGMxd2FYbEQwNDRzcC1taXpkQVNTMmg3a2owR0VPd2dRaWJuY0dB?oc=5) · Whole Hog Sports
- 2026-07-06 [Banking Leader Voices Mixed View on Razorback Stadium Naming Deal - Arkansas Business](https://news.google.com/rss/articles/CBMisgFBVV95cUxOa2x5YTE4djZQX1RYRlhiNzEzTExTeXRic0JkNnZkVFpJMzhIT0ZLb1dVMGZyRlRoZUFpN1F5WUFoS09Gd0JBY1RBVzJyeDd2TzJUWlRwMW50NlhpbHJZaFZTek9vZWtncWxuV1NwOUdNMGhLU2ZKUlh1amZKeVRhbTFQRWtfUTNObC1ySXQ3VUpjRW42bTRxQmZlZTRjajVjR094NW80elUyWmVFZXBRdDhn?oc=5) · Arkansas Business
- 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
- 2026-06-25 [UA Athletics launches multi-year partnership with CommunityAmerica Credit Union - The Daily Citizen](https://news.google.com/rss/articles/CBMigAJBVV95cUxNdDFvV3JtNUw0OGlLM2xsNjZQTVQ5NTFqWXo1NFM2Y2poeTRBellfTjA4Wnl6M0tHTktjbGk2NjJWb2hGWW9BQUl2TnJzQTZHc2hBbWNTSmxXdUJNS1B2d25JQXJjX3EyWTJzY3FHVEd5SjNzcG44ME9FM2kyUzQwWFhjUDRzc29WTDBpZ1FkS0NuQjVjRGRSTnBMZW1wU2ZWVF9XV2d6UmlTTC0xejM0cXVZX0d1OGVPMWVhY1MydDJhY2sxRTdIUTdMT1cxdThlV3dJVFMySU9RekxwTHpPc1ZEM3RpSXo4ejlRekw2OF95THEtcEJoYjB4QkFJNzZ4?oc=5) · The Daily Citizen
- 2026-06-24 [Yurachek: There 'Wasn't Interest' Among Certain Families To Put Name on Razorback Stadium - Sports Illustrated](https://news.google.com/rss/articles/CBMiywFBVV95cUxQRV94cl9XY3ZiVTZIYWtPQWVVeWxpYTVKN09pdXNvcHdlblBCdEdOSzlFejN5OWxnYzlXb0dRWEQ4U2l4R21ybnB4THFwUWdCOWFQNU9Lck56OXg4eV9GTVdhRjBfTmdaZU5sSHAtVFJKaWZ3dFhCRm45UHZ3VC10WEpiS2c0WjViU01qNnFTdURSd2ZTbzNUWmZKaXk5ZU1FOVhIZkFDOHVUNTVYLXBrRnh5aUQ4RnhOVVVzMXVyOGhLaDRZRi1USlE3bw?oc=5) · Sports Illustrated
- 2026-06-24 [Kansas-Based Credit Union Lands Naming Rights for Razorback Stadium - Arkansas Business](https://news.google.com/rss/articles/CBMilAFBVV95cUxNd3Q3clNLTjhmTkpNd2hheFJ4MnpobkxfSWpGa1c4NXpEVWRtaWlvQmlzSXNzX2M5UjNITXRYc3laTFZ5VG1ROEIwdTJqYzBuWjhoTFhlN2tabngyNEVXWkhMMUVhdlVobmpGWGZUVmFqMC1JSGJzQk9aM1prT1FPVzVHWlcwRmFjR3ZGdzlhbzZXamNY?oc=5) · Arkansas Business
- 2023-04-27 [Arkansas Federal Credit Union Hires Sultan Ali as VP of Retail Operations - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMifEFVX3lxTE52ZnhJWVNNUl9lSEllTzJjTldDM3dlaGVEZ2hOYUJ3ZnQ0Nk1pVGxJTnNGdm1XRDQ1bjZpcExzd3lqVkFxb3MtWnRKQ1FpS0lyYUpLR250dEFqQVlTT3hZalF5SEFmdmlSZWx4a3ZwMFVwTWQ4d1YtTjB4RmI?oc=5) · Arkansas Money &amp; Politics

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=195 (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/3.json (key "195", 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=195
- 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