# TELCOE
LITTLE ROCK, AR · NCUA charter 24202 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/telcoe-24202

Who the members are: federal charter, multiple common bond, organized 1950, low-income designated. 23,838 members of 300,000 potential (8.0% of the field); checking penetration 21% (share draft accounts per 100 members); loans per 100 members 19.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $501.2M |
| Members | 23,838 (7.2% YoY) |
| Full-time staff | 29 |
| Net worth | $100.8M |
| Net worth ratio | 20.1% (p99 of band) |
| ROA (annualized) | 0.87% (p65 of band) |
| Total delinquency | 0.09% (p1 of band) |
| Net charge-offs (annualized) | 0.04% (p4 of band) |
| Loans / shares | 36% (p2 of band) |
| Cash / assets | 4.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.75% (p1 of band) |
| Operating expense / assets | 1.29% (p1 of band) |
| Vehicles % of loans | 28% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.18% (p11 of band) |
| Vehicle NCO | 0.14% (p7 of band) |
| Repossessed % of vehicle book | 0.05% (p51 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 13% |
| Certificates % of member funds | 31% |
| Average share balance | $11,579 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.8M |
| Loans outstanding per 100 members | 19% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $33,888 |
| Loans granted, annualized | $79.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.8M outstanding purchased (1.8% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 3.8% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | members leaving |  |
| 2018-09 | 0 |  | members leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | net worth falling | delinquency rising |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | members leaving | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 2 | delinquency 2x band, delinquency rising | members leaving |
| 2021-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | net worth falling, margin squeeze |  |
| 2023-06 | 1 |  | net worth falling |
| 2023-09 | 2 | losing money |  |
| 2023-12 | 1 |  | losing money |
| 2024-03 | 2 | net worth falling, losing money | margin squeeze |
| 2024-06 | 2 | delinquency rising | losing money |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | net worth falling |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 2 | net worth falling, delinquency rising |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 2 | delinquency rising |  |

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

- 2023-09-16 [Credit Where It’s Due: Arkansas CUs Focus on Customers - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiggFBVV95cUxPOGpsX3l2UlMxXzNmNFFwakZLaTRuZlU2dk5jeHB1dzkyV3MzWDdxRkxfdGtvTjZPaVAtZ0FqeE9rdjhmZmtRbWJxUjlaSldRWm14dmstTGIwWGNUc0FicWlQc2VEdDhEeHJYRHlIMV9ZZjNSVldiUWJMRHRtbUN0MlRn?oc=5) · Arkansas Money & Politics
- 2026-01-28 [Arkansas Credit Union Founder Seeks to Fight NCUA Conservatorship - CUTimes](https://news.google.com/rss/articles/CBMiowFBVV95cUxNX1F6cHc5dm1ISU5rVFZsXzY1YlhXNTZOdW5nR3U4bFdLeVhrcC02akItVENWUUs2bUFSUlhIaElOWk9FLXRyMkRsTk1zTTkyYlBIeWtDU1FuQmpFSWdzMHhzdlJOR1Fxa0diSjdoZjY3ZDFqdE1HVUxuZklzZFNJUDdrN0FCRTJDTWFmNFF4cHVOb096R0UzbGIweWlxRkRlNDJj?oc=5) · CUTimes
- 2026-02-03 [People’s Trust credit union under conservatorship - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMingFBVV95cUxNcEdZZ21VSUdvTUw5aEtTMVVZQ290NUduWEFxVkV2Tnc3U1NHRzdpWDhmelpfSmtFNXlvNjl1Tk5kSFVwczVnb0xNWndacVJfRUtKbllRTUU1d01yckY1bnRBenhiZHRCdTJjWVU5dmtYcXhxbVZHMWl0aFdCV0VlRUZpUFJXWjVoSmliUENYdVNCeWpTR25URHFVd1p1UQ?oc=5) · The Arkansas Democrat-Gazette
- 2026-02-02 [Regulators Move People Trust Into Conservatorship; Founder Pushes Back in Federal Court - Arkansas Business](https://news.google.com/rss/articles/CBMimwFBVV95cUxOQk5nbDUxZHdBcFhEa0NQWFBmLThJeTNoQUN3RnZSNXV1V0tfT2RUaEFSU2tLamRmWXVBekhVV2hXODFTUHJYYVZYcW0tejdNTWFtcFp1QmNUYm1NakxIZ3FGX2ZiY0NmTHlwdHFqMldiTTlHZi1JZTVEY0IzOGw3Y1h2OWo1U1Y3UGNXWEFmXy1wSnJBQWRBcWZzNA?oc=5) · Arkansas Business
- 2025-06-05 [Sarah Mosley Obituary - North Little Rock, AR - Dignity Memorial](https://news.google.com/rss/articles/CBMijgFBVV95cUxQRzhjOEg0MXNHSjVZd2I0VE1HZ0w0YkVFSWZFM3BCTDJ6cUo1TFowNEdkTVBkVnpLdl90N3NUellHcWdXZklwQUxpS3M4MUc5R3VqeVdtTjJBdlFwUmlVLUY4Z20tY3hJN194RFBjZGJtV0dlNmtUM1NVSEpkQnl4WXpEOWh6dE1mdE00Vy1R?oc=5) · Dignity Memorial
- 2024-03-06 [UA Little Rock Welcomes New Career Choice Partners Providing Higher Education Opportunities for Employees - ualr.edu](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5wQmNGOElxbzdLbk1yWWZibGo4ZDFoNFVuU2dzNmc1M2pRQU1OQlQ0V2xHckNxTmlIMXN6Z1J1V19oNFhJN3EyLURvLVRxMnRFcXhja1pHdVJyM1FwTFE?oc=5) · ualr.edu
- 2026-01-14 [Mills High School hosts ‘financial reality fair’ - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMimwFBVV95cUxQbXZ1VnF3N09iTEY2VERTaXhOVEVaNVJEU1VqVWZJVTVHbjRIRmVaM0RrWjVFcTM4QU9MdlVoNUd4Z2xlNWVWaFdqNTVyTjFJZVQ4S1JDaEJMbW94cTJUaEFrZ2g4MGZfVWxkQV91RlN4T0VLS253TGh6QUtXWTY4T0tnU1JLbFBiODI0cnBxT2ZyWnFaS2Itc1J5TQ?oc=5) · The Arkansas Democrat-Gazette
- 2015-05-04 [Outside Credit Unions Expand in Arkansas - Arkansas Business](https://news.google.com/rss/articles/CBMiigFBVV95cUxPZENKYWxGREtfUmV5Nk1vV1F0bk9jSnJtOUlQZUE2NzNlLXYzOU1kbnlRNWdzT0xsLVZaYzJscUxxQnh6bS1wUG1wVWNadzBfN2RodllmSnVBUnlXYTZUd1JLUEl1TE1tVUVGdWhhMXdiaGN1SDVqZXF2WmowOXpjbG92Y2ZfQUtCbmc?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24202 (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/10.json (key "24202", 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=24202
- 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