# DILLARD'S
LITTLE ROCK, AR · NCUA charter 21268 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dillard-s-21268

Who the members are: federal charter, multiple common bond, organized 1973, low-income designated. 3,437 members of 299,000 potential (1.1% of the field); checking penetration 21% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *auto monoline*. 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 | $25.5M |
| Members | 3,437 (-3.2% YoY) |
| Full-time staff | 5 |
| Net worth | $3.2M |
| Net worth ratio | 12.4% (p34 of band) |
| ROA (annualized) | 1.35% (p81 of band) |
| Total delinquency | 0.08% (p23 of band) |
| Net charge-offs (annualized) | 0.37% (p71 of band) |
| Loans / shares | 36% (p20 of band) |
| Cash / assets | 66.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.67% (p41 of band) |
| Operating expense / assets | 2.69% (p24 of band) |
| Vehicles % of loans | 81% (p85 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 12% |
| Third-party paper % of net worth | 51% (p95 of band) |
| Vehicle delinquency | 0.09% (p36 of band) |
| Vehicle NCO | 0.21% (p75 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 6% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 0% |
| Average share balance | $4,066 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $807,839 |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $8,320 |
| Loans granted, annualized | $2.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $807,839 outstanding purchased (25.5% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 1.5% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2024-11-26 [Ann Price Obituary November 26, 2024 - Wade Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiakFVX3lxTE53Snhzak1zdlpLdWp6cUJVcjBGbWE2VUhFb0dIZjR0UWtIZnptc2J4MDktVlBfMEVoM1h0dlFncnZYSEtzNlhNM01KOEE0S0pZLTZsWFpLQUNlVE9JX1UyTTZsNXRSc2FxTmc?oc=5) · Wade Funeral Home &amp; Crematory
- 2024-01-02 [Michele Simmons Allgood - Arkansas Business](https://news.google.com/rss/articles/CBMickFVX3lxTE81VVd5Sy1QcnVxTFdaVTNnYnF2Q0ZMZTU4T2lKT2ZZU2UtN2lab2x4RHdsWi1oV3N4VU1hYlc3SVVzS0pjX0txRlBTNFpGTFczY2wwczA1V0dfVnBiSGEzRU04ekRWMHFOaVN5X3AtLXM3Zw?oc=5) · Arkansas Business
- 2025-04-08 [Best Banks and Credit Unions in Arkansas 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxPZU43dXRUY25HblVfRGJ5RjNKb1dJdzdnZ0syNXByeF9PSE91Yk9OZUJHV2JYUVEyR1hndjVON05vWmZrU3BEb0lZbWhGZl83YzRRU2RwdjAwSV96a3JMM0tqcjZ5VThSVjR0d2dwX3E2V0hqN2xnZXZnTzcySnBhbm5oNVh3N3JaYm5JZ3VjRQ?oc=5) · Newsweek Rankings
- 2025-09-10 [Westroads Mall Prepares for Dillard’s & Another Mystery Retailer - Grow Omaha](https://news.google.com/rss/articles/CBMijAFBVV95cUxPSk5ONDBHMkxDYnNsbExfazlZZGtEa2dtYVkzd1FKbnE0aGV6RVFxVXBEaGRuWjIwQk1LdjM4eDE3TTZDZGN1MENST3hVYzVkbU42SThIQjRVbXNqdVJmVXhoMExpNWxhby1QaFRkN3RhQlctY2VoQTZzbWpwdnhEQ1o1MUFvVG9CenJTeQ?oc=5) · Grow Omaha
- 2022-09-03 [William Morris Obituary Apr 12, 2019 - smithfamilycares.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE1PZ1J4TG5oWEJCZld2LXBRT0RadzlnY1ZaQkpUcnloUXh3R3c0NUlwbDU4cjFkclM1UjhPbDdDaGdKbmx3cUItUXp5ZnVVc243MUFPaEtWc2JFS2UtWVZhTmN5Q0Z5dzh5SWc?oc=5) · smithfamilycares.com
- 2021-12-13 [Betty Jo Coger - Texarkana Today](https://news.google.com/rss/articles/CBMiVEFVX3lxTFBwU05IbVBmYTNXdkRuYXFmNnBhLTBDRzlhRWZjZ1pDLU55VGx1U3hiOHZPZUxZVi1CN3BPbHF1UzBvbXdZYkVoRzNneFQzV3UxeEtjWA?oc=5) · Texarkana Today
- 2018-08-13 [Rodney Showmar Says AFCU Competing Against More Than Just Other Credit Unions and Banks - Arkansas Business](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPYUJtd2RQN1loV0NmV0N1U1VBSDdKbmV4UDhXXzJxU09zZ3pRaWtoeHlTcF85S0RKUnZmaS0tbUk1WHhSMEhjdzlnOWVHSVBCdzZ6ZWltam5BdDFBWnFCM3dfWHNIZUNCSmZSenc5cUNJOEpNSjMzTzU5MU5DZ2JERHh2OXVzbkhzdlg4SlRIZzltNTN2d0hhYkswTmFtd0w4c2VydV9scXpOR1dncGpHQ1pCMTVHZlVGajhLTlBuYkpQSUpXRHFNQQ?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21268 (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/20.json (key "21268", 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=21268
- 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