# WHITE COUNTY
SEARCY, AR · NCUA charter 24428 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/white-county-24428

Who the members are: federal charter, multiple common bond, organized 1958, low-income designated. 2,039 members of 4,000 potential (51.0% of the field); checking penetration 29% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $17.6M |
| Members | 2,039 (-3.2% YoY) |
| Full-time staff | 6 |
| Net worth | $3.0M |
| Net worth ratio | 16.8% (p61 of band) |
| ROA (annualized) | 0.80% (p61 of band) |
| Total delinquency | 2.29% (p81 of band) |
| Net charge-offs (annualized) | -0.39% (p5 of band) |
| Loans / shares | 78% (p79 of band) |
| Cash / assets | 33.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.79% (p82 of band) |
| Operating expense / assets | 3.64% (p50 of band) |
| Vehicles % of loans | 72% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.45% (p83 of band) |
| Vehicle NCO | 1.77% (p92 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 32% |
| Average share balance | $4,703 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $11,721 |
| Loans granted, annualized | $4.8M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, losing money, delinquency 2x band, charge-offs p90, auto monoline |  |
| 2016-06 | 6 | repo signal |  |
| 2016-09 | 7 | capital below 7% | delinquency 2x band |
| 2016-12 | 4 |  | repo signal, capital below 7% |
| 2017-03 | 3 | delinquency 2x band | losing money, charge-offs p90 |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | delinquency rising |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 5 | charge-offs p90, assets shrinking | delinquency rising |
| 2018-06 | 6 | delinquency rising, members leaving, loan book shrinking | charge-offs p90, assets shrinking |
| 2018-09 | 4 |  | delinquency rising, loan book shrinking |
| 2018-12 | 3 | assets shrinking | thin capital, delinquency 2x band |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | members leaving |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | loans>95% of shares |  |
| 2020-03 | 4 | net worth falling, delinquency 2x band, delinquency rising | assets shrinking, loans>95% of shares |
| 2020-06 | 3 |  | delinquency rising |
| 2020-09 | 3 | delinquency rising | net worth falling |
| 2020-12 | 1 |  | delinquency 2x band, delinquency rising |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 2 | members leaving | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | members leaving |
| 2022-03 | 6 | delinquency 2x band, delinquency rising, assets shrinking, members leaving, loans>95% of shares |  |
| 2022-06 | 3 |  | delinquency 2x band, assets shrinking, members leaving |
| 2022-09 | 4 | delinquency 2x band, members leaving | delinquency rising |
| 2022-12 | 3 |  | delinquency 2x band |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | members leaving |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2024-03 | 1 |  | loans>95% of shares, delinquency 2x band, delinquency rising |
| 2024-06 | 4 | delinquency 2x band, delinquency rising, members leaving |  |
| 2024-09 | 2 |  | delinquency 2x band, delinquency rising |
| 2024-12 | 3 | delinquency 2x band |  |
| 2025-03 | 1 |  | members leaving, delinquency 2x band |
| 2025-06 | 2 | loan book shrinking |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2026-03 | 6 | assets shrinking, members leaving |  |

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

- 2026-06-25 [UA Athletics launches multi-year partnership with CommunityAmerica Credit Union - The Daily Citizen](https://news.google.com/rss/articles/CBMigAJBVV95cUxNdDFvV3JtNUw0OGlLM2xsNjZQTVQ5NTFqWXo1NFM2Y2poeTRBellfTjA4Wnl6M0tHTktjbGk2NjJWb2hGWW9BQUl2TnJzQTZHc2hBbWNTSmxXdUJNS1B2d25JQXJjX3EyWTJzY3FHVEd5SjNzcG44ME9FM2kyUzQwWFhjUDRzc29WTDBpZ1FkS0NuQjVjRGRSTnBMZW1wU2ZWVF9XV2d6UmlTTC0xejM0cXVZX0d1OGVPMWVhY1MydDJhY2sxRTdIUTdMT1cxdThlV3dJVFMySU9RekxwTHpPc1ZEM3RpSXo4ejlRekw2OF95THEtcEJoYjB4QkFJNzZ4?oc=5) · The Daily Citizen
- 2025-11-24 [Robert Lashlee Obituary Nov 24, 2025 - smithfamilycares.com](https://news.google.com/rss/articles/CBMiakFVX3lxTFB4YWpZQ3dROFNoNy1TX2FqeGVzYWhLV05EamN3bzk3ZS12U1g5dzhjdnpTaVBmY0V5blFSdGlhMG9CVE9zZ3h4YUJFRGRldVlfcmVZUHpiQW9hVEN6Sjd4YnduQXBwVTFtNmc?oc=5) · smithfamilycares.com
- 2026-03-12 [Illinois Quick Hits: Correctional officer charged with sexual misconduct - thecentersquare.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQT3VodVpvRDZyc0hPbnA2UGFNZW9xcnd1OHZTU2IwNHNRMHEyODRlQVl0VU0xSTJEeEhuQW9kbUMza3lGMDdvZU16OFVUaTFhMlJOS2Zxbmg4cnRqODh0dDFiTElxZHhudHYyR0o3c2ljRm5yT2x0Ynk4cmVHUU1HY3B3TEs0b280b1U5QzVBMUZweUww0gGaAUFVX3lxTE5sNmQ2U2xiSENFbVQ2Qnllcm81OVNfRlA2YUJhSFJMQVEzTTN6WE5NZE9BcWFQaWVqM1AwejVTQ2ZIUjFCS3I0N01MeU9acnNGbzNzc0prNkRfQUdncURsX203dXhiYUd2emZ1SnBZOFFrX290NkFvQkh6R2U4UHFUNG1fcmx4M0tpdXV5QlJLbkxEX2FtdXpYa2c?oc=5) · thecentersquare.com
- 2022-12-16 [Patricia Elaine Griggs - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNLVNwd3l2UXE2M3BmYlJNZGFHcnBNYkpfcTNCOXJBelYxR0tXRGJpWnpJTW5NcnVnMUpMM3dHSDdJSzNBTHVLMjlDTEFjNmNpSE5JSWs0ZGFTSnZFaU1zc0NpbjRMS3g0SkNIT01rVHJtSjlYbmVGSjN0SW0teHB3LW1NRGlSZFp5?oc=5) · The Arkansas Democrat-Gazette
- 2019-06-14 [Obituaries for Wednesday, June 12, 2019 - Pine Bluff Commercial](https://news.google.com/rss/articles/CBMidkFVX3lxTFBSaEZaVGE2TExsc3RMVUpESkhKbUc0S1FWbnhWQlY4T0VfM0paVTlWclJRQnluREpMNHJ3ODRMWEY1TWRSQVJ4c0lGWmNveEtteS1wZWpFcm5jM0xIY1czMFZiWHl6ZXJXYmJNNlFtdzZNcEdRTGc?oc=5) · Pine Bluff Commercial
- 2026-02-11 [Nine legislators face primary challenges in March - Arkansas Times](https://news.google.com/rss/articles/CBMimwFBVV95cUxNa2luNlY2YkNEVWZvT2Z3R0JqWmVVekF3d3A4blEtUGFoVHRjS28zby1YbjV6Ul9BQUpBVWRuMEJKS2QyMENoR3VwN3NZMUktc0xKYjcyNUJYT3M2R3NFdWRCRUVNZFZXNXRoSGRleENMSW1vcjlLa2J3WEJRTEk5WlV0cVZRR0RUeUppX2pZU1dlOVJZLVJ2cExobw?oc=5) · Arkansas Times
- 2020-11-27 [2020 Arkansas U.S. House - District 2 Election Results - The State Journal-Register](https://news.google.com/rss/articles/CBMieEFVX3lxTFBvUnU1RkprWXljajFZQVNKOWoxT2VOc25WZlBVWlpUU29udjY4clcxOXE1azRiZVdVaUlhb3VhcmlZUnR4ejBnbXVzWEUxX21tc2M1bGFGWi1rX2tONzlxYTB2R1RZckZnOVJEMmhLc1BoR2o5UnVBZA?oc=5) · The State Journal-Register
- 2019-12-01 [Attempt made to 'break down door and kill' Paxton - The Daily Citizen](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPXzY0OXFrODNrdWplOFRfVHFTMkhDbkExWndhdVdrRVBwSml3YXVtNW04SnY5YUNIWTRYUlRPSDQwYXRhMnpUcnp1OFdGMmxVRTZ6ZC1yU051eUl5OENURTZGY2hfcE5lYTg4T3BSb2JLdjZBeWd1UXBXdzRDdEpSdEl1UWhKNUVoNGF0cmVjSGFRajNYcE03RE42dy1fSXV1NjgwV29uSTROSGdjbU1IMkw2TkJMZHpPc2dmNGd1TE1rUnhRTTlLcXpEODFhbG5CRG1V?oc=5) · The Daily Citizen

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24428 (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/44.json (key "24428", 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=24428
- 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