# UP
North Little Ro, AR · NCUA charter 24422 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/up-24422

Who the members are: federal charter, multiple common bond, organized 1971, low-income designated. 2,801 members of 25,000 potential (11.2% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $32.8M |
| Members | 2,801 (-3.1% YoY) |
| Full-time staff | 8 |
| Net worth | $7.2M |
| Net worth ratio | 22.0% (p80 of band) |
| ROA (annualized) | 0.58% (p51 of band) |
| Total delinquency | 0.95% (p61 of band) |
| Net charge-offs (annualized) | 0.21% (p65 of band) |
| Loans / shares | 57% (p49 of band) |
| Cash / assets | 43.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.48% (p34 of band) |
| Operating expense / assets | 3.79% (p55 of band) |
| Vehicles % of loans | 62% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 29% |
| Third-party paper % of net worth | 35% (p93 of band) |
| Vehicle delinquency | 0.90% (p62 of band) |
| Vehicle NCO | 0.13% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 31% |
| Average share balance | $6,018 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $10,498 |
| Loans granted, annualized | $4.2M |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2026-04-15 [Why Are Federal Regulators Trying To Take Away This Credit Union? - Next City](https://news.google.com/rss/articles/CBMioAFBVV95cUxPdV9yeU1NUnFjU3VEb1hCYlJJMXJBektoVTZOUVppYXVCVzBCV05fbTJvUXNlTTdyMjBKc0tzWFZ6eWI4UkczUTh5SDRjMGpDREU2N0FEVEFhOHNXMmVxT1pYZkpuMTFkcC0xQ3BCOGluN2QtSXJuekdDbEItZnpsb3hDOXd1RGFoa3NvQVM0aTlsSG1uVGFYVjM0MnVIZWYt?oc=5) · Next City
- 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
- 2026-06-24 [Analysis: How Arkansas football stadium partnership with CommunityAmerica aligns with national trends - Whole Hog Sports](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQTEhVZ29mckFaU2MybHpTaTdOc2NQU0hRVmJ6M0tacTdlS1FvdUdZNDdzRkY1WVZwazF4QTc4Szh0b2J3NkRxYURzellqWkI2VjZNY0ZuR3lQUnhxLXRFLXBnQzB6aXJSSWMzOEdJajUxOXVQTGhWeE9PaEhRZlJ6MTFjNjlXeGpaeWxkelN0cjNTQlZ1QTVjREFlR2d3ZTZiNF9ycEZ6LV9GRHk0Qmo5ai1JOXdSZ1pIN3pNVktMTTVGZw?oc=5) · Whole Hog Sports
- 2026-04-09 [Arkadelphia students, teachers and credit union team up to aid Valley View residents - KATV](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNR2RJQzk1NkFJQncwQ0xSaDRyb3VjYmhMeUM2T3lGVWc3aHhvQnItckZSUUZZNmdnaWl5Y3BvVmhOWk1mc29zNjBzb3gybVN0alFUZkU4X2hnUmdWd0xVX3dtYkhwMG9ERGpNYWpjdm9QUVBmYlNsUkJvN1drVy1wR1JoX1l6UERJVUtLd2d6dnRoUmRJRWsyay1tdnlNNW5BT0xVQ1BnVmE1a2JiZE84NFp5emxxQ0h1STFVdlBIeUpuVmZXclRxNnV5ODc1NnNCM3pMUVdZSS1Mem04bzkxVzhtazZBOXBabGJNdDFfWXd4a1pQaTBCdDBn?oc=5) · KATV
- 2026-06-24 [What Hunter Yurachek said about Arkansas football's new stadium naming rights deal - Southwest Times Record](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQcXhXc2J0a2JEMy0wV3Bhc0lTSVU0Y284SXpMMmhZMDVNSWhQajJCMy1UUlVvTWhfODZBNk1yS0cwOGVZcnl4THgwN2FiZVE1MXZNTjlpbFZjWEVlN0JsdEhBblVmYWRIMEllZHJzS1hTSlhmd1pRdjc5SnZNazBQckdXV01xZ2h5VWhoUW14eTBWNFVCdDZVN1JjN2F1OUE3djcweUFzNmt5UjBqX1BUUWVCYjRrU2xEUUlXWGZXa2ZvbkpYcnQ3dzl1R1VkRGVTYmtBZTR0am94NGhxLXZRY0tfZUJJcG1uV0JielVYcl8?oc=5) · Southwest Times Record
- 2026-06-15 [What to Know for Evanescence: 2026 World Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBuTTN6MkU3Z0oxU0tnRnpPVlJBR3JaTXd5UEpUbDdTWjhmeTdaNUV6UkFUSVhMYXU2N2J2R21nb2NHemZoMUdTUTZNbGtiQ1FCTVpLdFRuMVJERXpwaW1j?oc=5) · Ticketmaster Blog
- 2026-06-24 [Hunter Yurachek gives insight into new Arkansas stadium naming rights deal - 247Sports](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPcjBhX1VrVExRZmxDbTFWWk9UdzVJNzFRQmFNVlFyZHZxQVM4ako5ckgyY3B0ckNzZWI5M0xJZ3kwcVdTY0Z6UWZSM3RoNm1BWGFHZ1drNmF4NmRZQlZVdUg5UzZFbEJEbUN5VHRqTHBDU0VWVU9rcGMwZG5OTFJxcUlIclhza2lyUTNUdWRJa1JlenUyN3g1SEZrdjFvUW8xLW5sWEkyaDYwdTJJVHFhUVpnVVd6Qjg1Rmp5aHpYTnpIZnZOa1ZIZ093QzVieUZDQjVF?oc=5) · 247Sports
- 2025-11-14 [This checking account offers 8% — and these 3 have 7%-and-higher APYs - MarketWatch](https://news.google.com/rss/articles/CBMirAFBVV95cUxQWTcySVFCRnlwNWJxb25hU2FUU2V3b1Rka3E3cFJXQ2VudmZ6RllKc3RJbDVHelN3d045NE8yenJhVFp2d1czWTFDSkl5M2E4V0Uwc3praHhGRXFHUHJ2SkFYWnR3cGR0VjlNenZKME5TLWV0bmJFbF9iTWpYWjBvYjdEbGlZM2xHZUFyYlVvbGlLemJkdzBKSUlWR0RzeVloWmczTjFVVV9OSVZG?oc=5) · MarketWatch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24422 (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/38.json (key "24422", 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=24422
- 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