# TRUSERVICE COMMUNITY
LITTLE ROCK, AR · NCUA charter 24390 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/truservice-community-24390

Who the members are: federal charter, community charter, organized 1976, low-income designated. 5,234 members of 993,242 potential (0.5% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *ordinary*. 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 | $51.8M |
| Members | 5,234 (-2.1% YoY) |
| Full-time staff | 14 |
| Net worth | $4.6M |
| Net worth ratio | 8.9% (p10 of band) |
| ROA (annualized) | 0.21% (p22 of band) |
| Total delinquency | 0.79% (p62 of band) |
| Net charge-offs (annualized) | 0.19% (p44 of band) |
| Loans / shares | 86% (p91 of band) |
| Cash / assets | 12.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.47% (p87 of band) |
| Operating expense / assets | 5.42% (p92 of band) |
| Vehicles % of loans | 40% (p45 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 3% (p59 of band) |
| Vehicle delinquency | 1.27% (p78 of band) |
| Vehicle NCO | 0.48% (p66 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 15% |
| Average share balance | $5,596 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $17,333 |
| Loans granted, annualized | $18.6M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 4 | delinquency rising, loans>95% of shares |  |
| 2018-03 | 3 |  | loans>95% of shares |
| 2018-06 | 5 | members leaving, loans>95% of shares |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 2 |  | delinquency rising, members leaving, loans>95% of shares |
| 2019-03 | 3 | net worth falling |  |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | delinquency rising | thin capital |
| 2020-03 | 3 | thin capital |  |
| 2020-06 | 5 | net worth falling, losing money |  |
| 2020-09 | 4 | expense trap | net worth falling, losing money |
| 2020-12 | 1 |  | 3rd-party paper>100% NW, delinquency rising, expense trap |
| 2021-03 | 4 | net worth falling, margin squeeze, delinquency rising |  |
| 2021-06 | 2 |  | net worth falling, delinquency rising |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 3 | losing money, expense trap |  |
| 2022-06 | 4 | delinquency rising |  |
| 2022-09 | 2 |  | losing money, delinquency rising |
| 2022-12 | 2 | delinquency rising | expense trap |
| 2023-03 | 4 | net worth falling, losing money |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 2 |  | net worth falling, losing money |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 1 |  | delinquency rising, net worth falling |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 3 | expense trap |  |
| 2025-03 | 1 |  | delinquency rising, expense trap |
| 2025-06 | 2 | repo signal |  |
| 2025-09 | 1 |  | repo signal |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | expense trap |  |

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

- 2020-03-09 [State’s First Credit Union, TruService Focuses on Community - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMikwFBVV95cUxORTY2VzhpUmJ1SHA2dDNqaGZLT1BPMlQzbzNYNWVnQ2N3d0pqTXBfTXVEUzBEblNoSmw0X1JWTEJyMGVzNlljWTMzd1NEbVV2eDZVelpNTU5VRnU1dmEzMURnVndkUUc0QWlfWndNdGFnOHhzdHRpZFR5OWFQb3YzN0Y4dHpqVDdETDZ2Y29wRnNQWEk?oc=5) · Arkansas Money & Politics
- 2026-02-18 [North Little Rock man accused of using homemade device in attempt to blow up ATM - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMinAFBVV95cUxNS0IyWHpGMGhRbWgxZWxKQ2FVYU9qZkxIc21jZlNyY3AwdTJPOHYta0pGVlhWdENtV05XZFZkUlR0VUtmd2xKRG16TkRmbmtoRnBpblFHLUd6SDZnRWRnWjF4OVE1cHEwbnFSNFgxSVRLbmdOWkNJY0FkQ211SlRfVll0eV9Ya3JSNi1vQzNZZndxblk4R2xYN0F1Q0U?oc=5) · The Arkansas Democrat-Gazette
- 2025-12-22 [Arkansas Business Reader’s Choice Best of Biz 2025 - Arkansas Business](https://news.google.com/rss/articles/CBMilgFBVV95cUxOdFBUWnp5SVMyVUplRDRBYVl0N0R0VFNkNW9VUlVUcHlaVVNwV1NZR05rcWRoenJKeHJLM3FlZjlSMWZXOXlrYWZZbVlTSUdMRjZWRVlMMXRlWlIxWlFPY0RMYlJ5ZXE0emR2aUpBOHJVTWxsT2E4UmlDWjg5QlA3STBZcXBtR3BpVU1xWlZZWFQ4Ry1tTWc?oc=5) · Arkansas Business
- 2016-07-14 [Suspect arrested in 2 Little Rock bank robberies - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQZEpIYXJZc0NGWkpiVk9KSkpRdDdDNzNsT21RUkRlM2c3V2NoYTcyZ1VtcENuYkVQa2xudG15MDlGVWVIelhTRVVtRENJbHo4TWJTWlFxa3dSY2xVdmNlSFJuLU5OQVo3cUdQSG9OdkpRRGswZGNGdFhKWVI0d2ZGZ2oya28tUDlGeUo0?oc=5) · Northwest Arkansas Democrat-Gazette
- 2026-02-26 [North Little Rock man charged in ATM bombing ordered to remain in jail pending trial - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMimAFBVV95cUxNUHVoSlg2ZGdHQ21rejlheWxQaFplRHBRdzJwOVFKY1RIZkFlckhjRHNPVDkxYmVpZmMtQVJKSWRkN0pZa2VKRjhkNmZLX08tMDl5ekZqUy1xQTllQ0dFaWtnLTNyMUMtY3R1MFg0OHNCVFp6RFZzVjhGOVR4TDRKR3lsNnExMmhsUTJ4X0pqV290NzUxUHVWeg?oc=5) · The Arkansas Democrat-Gazette
- 2022-11-14 [CEO of First Arkansas Bank & Trust Receives Tampa Bay Trophy (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMitgFBVV95cUxNV0RkRE1XQ0dEZ3VnZDRpOTJEWlpiNjJtT1pLTk4xOXV3SmYtaUFiczA0bVM2YzVfY2ZtSVNLS3dnLTVLV2hSQ2tpNkNGSTBxaUI0RWFyZEpwaHF6YkRJN2dmVTJjOENmR1NEN0lwTmM1VmFNa0tSeXF4VFNZN1lKa284UWZxWlUyM2NiZG1MT2t5YWRCU2hLTG52cDRpcUxXNUR0X1Z1V2xZMlhfcG5WQTVVNG9GQQ?oc=5) · Arkansas Business
- 2022-12-26 [Arkansas Business Reader’s Choice Best of Biz 2022 - Arkansas Business](https://news.google.com/rss/articles/CBMilgFBVV95cUxNWXJweTY2Zk9yU0lQb3NPQ2ZTZ0NJRmFVZG5tXzBIcUNQNzZwX3pKd2Z6cnBSS1ZoaFRJWk1veENlRlhfQ2RQTVdSU3JuZlI1ZXpRNkNSblZ1cXFHdWFIZm15dTFmdkFWLUNiNlRvQWtfMmpubG9IcGdvcUtFQXZIdC1qVWR4RnJFcVdsV05UQURxS1F4TGc?oc=5) · Arkansas Business
- 2016-06-27 [Masked man wearing Batman shirt robbed west Little Rock credit union, police say - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMioAFBVV95cUxPLTljTEg4R29sdzZYZjRhdEhBeEtpNjBFMjdwWHRyTkNIckFJM1V3SHRxRG1BcDVyUlg4NHYxTzB6SDRIc2FuU3JLdHpTZzlDWW5HbEJ4bi01TEl5TkV5ZjZUdUJ1aUFaaWFUdW80cF9MaTJIdnJiSWxKNUNsaW9ST0dxdktUVk1qUnZhQjhBR3YyamRBcklGVUsxWGEyZ3pn?oc=5) · The Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24390 (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/6.json (key "24390", 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=24390
- 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