# ARLINGTON HOTEL
HOT SPRINGS, AR · NCUA charter 24144 · asset band <$50M · latest filing 2017-03 · stopped filing after 2017-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/arlington-hotel-24144

Who the members are: federal charter, multiple common bond, organized 1984, low-income designated. 109 members of 300 potential (36.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 63.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $132,625 |
| Members | 109 (-48.6% YoY) |
| Full-time staff | 0 |
| Net worth | $25,013 |
| Net worth ratio | 18.9% (p82 of band) |
| ROA (annualized) | -2.82% (p3 of band) |
| Total delinquency | 26.10% (p99 of band) |
| Net charge-offs (annualized) | -1.16% (p1 of band) |
| Loans / shares | 124% (p100 of band) |
| Cash / assets | 13.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 12.64% (p100 of band) |
| Operating expense / assets | 17.06% (p100 of band) |
| Vehicles % of loans | 52% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 38.10% (p100 of band) |
| Vehicle NCO | 0.00% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 48% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $675 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $1,878 |
| Loans granted, annualized | $7,620 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | losing money, expense trap, delinquency 2x band, charge-offs p90, loans>95% of shares |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 6 | auto monoline |  |
| 2016-12 | 6 | net worth falling | auto monoline |
| 2017-03 | 7 | margin squeeze, assets shrinking, members leaving | charge-offs p90, net worth falling |

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

- 2025-02-14 [Digs of the Deal: Crown Jewel Once More — Spa City’s Arlington Hotel Being Brought Back to Former Glory - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiaEFVX3lxTE84bHFVbk1reW9sSGlKQ043RTJqeXVMTlo3d2NOUlVGMFZhc2JEcTdBcVY0REpuOFNIcUtXZzYxRmZsb05QUWx0aFBkeUs5cXcwVTFsRlE2Z0U4SV9ub1o4NU1Mc0k3TkNk?oc=5) · Arkansas Money &amp; Politics
- 2023-12-04 [Arlington Hotel Sees $30M Renovation - Arkansas Business](https://news.google.com/rss/articles/CBMigwFBVV95cUxOVUZqaGNpc2lRS1dZbVRRcTR4OVNveHRxZExkWUdiSzNTV3Fla29RbzRXNEFPbXIwaF9fQzNfckhGS3V1cUJHbmw4a0FXMV9QRmRBQ19BZXkyVnd0QjNiMWFaZnZ6UjJkUzh4UmwyZjFsNlliT3dyOENWTGJsVWpNVFVtdw?oc=5) · Arkansas Business
- 2022-08-30 [Citizen, Man, Woman honorees named at Readers’ Choice gala - Hot Springs Village Voice](https://news.google.com/rss/articles/CBMimAFBVV95cUxPeEFNb3VQM3NlN0lwOWt2RXE1Mk5GcVRyZjNtS1YxT0s1MnVyV1ZtVm5rNmx6MzJkMTRpcENKWS1WclRlc01lbjc5RFZDTmpfc0RUeGNveDhUVFRlRmRUY2RUOU0tQ05oQ2hteEhtOWNlTnJKa0RPcUpBWnlIaG5WNEo2WG1La2R3a3lQU1cwQlducFNXdzZ6bQ?oc=5) · Hot Springs Village Voice
- 2025-04-03 [RESTAURANT TRANSITIONS: Bagel Shop in SoMa closing to make way for Rex’s; Saigon Noodle Station open on Rodney Parham - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMimAFBVV95cUxPYllsdS11ckl6VGNEaXdRSVRoVHhaSS1CdG5SbUczZkkxV0F0YXRwZ2Z1UXhQZDBReXpBd2tKNUlWZTFLMy02RG03bU5XekVCaU12UEE4ZHhvV0JmMndsbWhrbEluMWtmWXVQNElaSndvODZZX0xwT0VpZFR0QVd3MlNzemlxQ3A4Mk92SFl3Y2dYQy1XV010VA?oc=5) · Northwest Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24144 (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/16.json (key "24144", 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=24144
- 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