# VA HOSPITAL
LITTLE ROCK, AR · NCUA charter 24429 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/va-hospital-24429

Who the members are: federal charter, service (single sponsor), organized 1951, low-income designated. 1,529 members of 3,500 potential (43.7% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 21.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.6M |
| Members | 1,529 (-7.1% YoY) |
| Full-time staff | 3 |
| Net worth | $944,162 |
| Net worth ratio | 10.9% (p23 of band) |
| ROA (annualized) | 0.20% (p32 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | -0.23% (p7 of band) |
| Loans / shares | 59% (p52 of band) |
| Cash / assets | 46.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.43% (p32 of band) |
| Operating expense / assets | 4.51% (p70 of band) |
| Vehicles % of loans | 88% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 10% |
| Average share balance | $3,400 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 21% |
| Loans granted per 100 members, annualized | 98% |
| Average loan balance | $13,851 |
| Loans granted, annualized | $1.3M |

## Flags firing in the latest filing

- **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 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | loans>95% of shares | thin capital |
| 2016-12 | 2 | thin capital | loans>95% of shares |
| 2017-03 | 4 | net worth falling, losing money |  |
| 2017-06 | 5 | delinquency 2x band, delinquency rising, members leaving | net worth falling, losing money |
| 2017-09 | 4 |  | thin capital |
| 2017-12 | 4 | loans>95% of shares | delinquency 2x band |
| 2018-03 | 3 |  | delinquency rising |
| 2018-06 | 1 |  | members leaving, loans>95% of shares |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | delinquency rising, loan book shrinking |  |
| 2019-06 | 3 | net worth falling | delinquency rising |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 1 |  | loan book shrinking |
| 2020-03 | 3 | net worth falling, members leaving |  |
| 2020-06 | 4 | margin squeeze, delinquency rising | members leaving |
| 2020-09 | 1 |  | net worth falling, margin squeeze, delinquency rising |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | assets shrinking |  |
| 2021-09 | 1 |  | assets shrinking |
| 2021-12 | 1 |  |  |
| 2022-03 | 5 | expense trap, delinquency 2x band, delinquency rising, members leaving |  |
| 2022-06 | 8 | losing money, assets shrinking, loan book shrinking |  |
| 2022-09 | 8 |  |  |
| 2022-12 | 6 | net worth falling | expense trap, assets shrinking, loan book shrinking |
| 2023-03 | 7 | expense trap, margin squeeze, assets shrinking | delinquency rising, net worth falling |
| 2023-06 | 5 |  | delinquency 2x band, margin squeeze |
| 2023-09 | 5 |  |  |
| 2023-12 | 4 |  | members leaving |
| 2024-03 | 3 | charge-offs p90 | losing money, expense trap |
| 2024-06 | 3 | loan book shrinking | charge-offs p90 |
| 2024-09 | 5 | net worth falling, losing money, members leaving | assets shrinking |
| 2024-12 | 3 |  | net worth falling, losing money |
| 2025-03 | 5 | losing money, expense trap, margin squeeze | members leaving |
| 2025-06 | 5 | members leaving | margin squeeze |
| 2025-09 | 4 |  | expense trap |
| 2025-12 | 5 | assets shrinking |  |
| 2026-03 | 3 |  | losing money, assets shrinking |

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

- 2026-04-23 [Kathryn Probst Clark Obituary Apr 23, 2026 - smithfamilycares.com](https://news.google.com/rss/articles/CBMickFVX3lxTFB1MndVSE9aV1g5THJrYkF2OXd3aW80ZGd3Xzl6bl9CaVZ5T3FNRDNoZTRpemttOXZFY1lVczNVQU9OaFRRVW1hRTFmRGFoM2x3QzRwdjNrdWZCTzZ5NDJzZ3lCRWRNSm5Mc2RJaGtYdFpQUQ?oc=5) · smithfamilycares.com
- 2017-10-17 [Arkansas Business Hall of Fame Inductees Announced - Arkansas Business](https://news.google.com/rss/articles/CBMilwFBVV95cUxOQjhwU29rbnRUY2RMamduX1JmMWNUN1hTVWxnalowclY1THlnMmhVb09uSElzb3I5YXZiLWF5RWVjd2ViR3REc2hSRDhDWUxjMUtqZVpwdVVmT1ZySHdFNnpaVGU5bnNlSzBuUHpMcDhyMVAzVnlXeFNyYTFFUDNWVmp2Q2JVVjl3elFWb21rTnY0dklLWGlJ?oc=5) · Arkansas Business
- 2026-01-17 [Edward "Ed" Joseph Gray's Obituary, Visitation & Funeral Information - Berna Funeral Homes](https://news.google.com/rss/articles/CBMid0FVX3lxTE9GS3pfQldxVUc1MzZ4VElTMFc2dXk5Y2NYWFVEQWU0YWRjTGdPUUhFemdMNllVVXlFTmNyNlljQ1lIOG82WWtJX3VyUkdCVjVOeGNRN2gydGMtSUx2RmhGdERYVDNEdndkMTl0YUhkbnUybWs0TXFZ?oc=5) · Berna Funeral Homes
- 2024-11-04 [Best and Worst States for Veterans - LendingTree](https://news.google.com/rss/articles/CBMigwFBVV95cUxNS1V4UE5yek9DWFQzb203ZTNZcEl2Uzc4TGNLRTViRjU5ejEyWGxkSWd1aXB1NXUtWTZoNnJuV1BkUnpHRGdnT09IbktkakVKZjlOV2k3X2RNZHNGbm40Zm1zVVNfckRGQ25yUGtxVHRyVXNHVFhZSmNUVFlMeXBuUUJYdw?oc=5) · LendingTree
- 2013-04-24 [Jerry Donald Haptonstall Obituary - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihAFBVV95cUxPN0pwelBzeU9OODRELWtPMlF3a1l5MDFBamVNWG9TR250cnFFU0FxLThsbXhmRG1MZW5JVVdqNFVmbWwzV0NKcEZYUWx6aVlnQTZVVV8wVERydURhbTFlbUhUS2tubjEwa1lIS1liVi1PRTdvTkQzYVBBTmZ5elpld3h4NEg?oc=5) · Northwest Arkansas Democrat-Gazette
- 2012-06-11 [Arzie Hardin Obituary - Ann Arbor, MI - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxNV2w3MXBZTGdIVTFPaEVTenhLRXhDTWExZnQwbDNkQmNNSEJoa202WF9yVjIyR01qeGF6Z2dCZFlrcTZIaHdRYVZMUFppZmJSSktYMmZyNzMzanJ3YzRBdVZDM2RMWHlIVXN4TjBjcGY0N0ZJdFBJRTFUeUc1Rng0MUZB?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24429 (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/45.json (key "24429", 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=24429
- 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