# NATURAL STATE
SEARCY, AR · NCUA charter 24432 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/natural-state-24432

Who the members are: federal charter, multiple common bond, organized 1956, low-income designated. 1,224 members of 2,500 potential (49.0% of the field); checking penetration 28% (share draft accounts per 100 members); loans per 100 members 48.

**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 | $9.1M |
| Members | 1,224 (-0.5% YoY) |
| Full-time staff | 3 |
| Net worth | $1.5M |
| Net worth ratio | 16.5% (p59 of band) |
| ROA (annualized) | 0.71% (p57 of band) |
| Total delinquency | 0.27% (p35 of band) |
| Net charge-offs (annualized) | -0.02% (p18 of band) |
| Loans / shares | 76% (p76 of band) |
| Cash / assets | 34.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.55% (p75 of band) |
| Operating expense / assets | 4.98% (p78 of band) |
| Vehicles % of loans | 68% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.35% (p46 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 | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 29% |
| Average share balance | $4,383 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $9,634 |
| Loans granted, annualized | $3.9M |

## Flags firing in the latest filing

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

## Warning timeline

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

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

- 2026-02-02 [Donna Morey, age 69 - A Natural State Funeral Service](https://news.google.com/rss/articles/CBMidkFVX3lxTE5fWUVGYmNrLVVXaDNQVk5NbnRFMTU1cXdLbURzOTR2bk02MFR4aUQtTkI2QUJJaHkyN2RtLXEzY1l1R05DSjNSdDMwV29FM2owcFdONHl1WTNFZDNqZ1phcEJqMGg2NEN4ZXNVOWpzRnpwU3VaZnc?oc=5) · A Natural State Funeral Service
- 2023-03-18 [Arkansas governor signs several bills that change elections in the Natural State - KY3](https://news.google.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?oc=5) · KY3
- 2023-06-13 [AMP 2023 Most Admired Companies - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMicEFVX3lxTFBELTBNWEN3UkFKdk8yN2FwV2kyMHpZTnNuYnRTSDA0YnRKRy1Va1dDaDk0a2p4V0FqN3RNQjJZR0tZQVgwNmJPbnA5UkFpMjNqOWtEQW1PNDFkbVUxNTZjdHBLQ3o0bWhTZFp3RTFSUEc?oc=5) · Arkansas Money &amp; Politics
- 2025-06-23 [Arkansas Business Announces 2025 Best Places to Work - Arkansas Business](https://news.google.com/rss/articles/CBMikAFBVV95cUxORGFHOGxwNk92QzU4MHExTVE0ZFNJUktlUTZEeGpyTzRCM2ZnXzZOMDFGVjVZS0lWTm1uZEpSdzlkVkdVSGo5OE5IY0I1dEZMZEZaQkl0cHVocGhhd25XclBTUjEtRVQxR0h3NVc5cm8wSTRYZ0dYLVhQalRndnBUbk1kZ1dNc2U0XzNrU0dqU1M?oc=5) · Arkansas Business
- 2022-04-27 [Arlene Marie Thode Marcotte, age 80 - A Natural State Funeral Service](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQMEJvUXhFVmdsY01QaHZSdTdCTlk3b0FLb1pHbGhFbDB4cC1zYlZNbjlIWUJIYjVCSXotcGw5aVlEa2VLa2FjWTd5U1hoU2VhZEY2ekFZYUJ4TTdqRlVNVkNMdTlZY0dlb1UyVFJLMkhVS2FReVhjV24tZHA1MVRLNHFOa3hjSTE2SXhn?oc=5) · A Natural State Funeral Service
- 2021-03-11 [Man files suit in federal court on marijuana policy, arrest - K8 News | Jonesboro, Arkansas](https://news.google.com/rss/articles/CBMijwFBVV95cUxPS2RxWVhMV1RSM1llenVKbk1icVFZYXQ4Rk1rc21ndS1Va2xSOXlYb1dnUTdJdzJMNXdtRjdCV2EtYjZUTGlxd0ZhS0p4ekxPZ0JwcW14TVhuT2NTWWFIakgxUkY0ZktCSjBCMGZSbHpUelJtbXVVUTV6ZXlPTk41QmtuUUV3Y3ViV0FybVRWWdIBowFBVV95cUxObk9aSFZWQUg0T2dPbnhOdVBKeUtjVVNIaHhuc3hmSnI0bnFvYU9XZlhmcjRVMnlld0JUMUFOaFp1bFppZlM1WUlvNjZsNWt1M2tZMV9adGNsXzZWVjhiUDFLbnhIXzNrWnZUR0ZrQUM4MzVCMTNKZElQSXNqQllWdzZmc1I5ZnlLNmhZWGM0c196bXZrSmlvUG1TSTczTExVYXVJ?oc=5) · K8 News | Jonesboro, Arkansas
- 2026-07-08 [Yurachek, UA Giving In-State Companies 'Rest' With Stadium Naming Rights Deal - Sports Illustrated](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOZVJPOXpmdUZEUHpqTGE4dC1qZ096ekNyWDZ2TGc1eWlTME11TjdXdFdoQ19TT3VMdy1ZY3REREZ2UVItVlEzMGRmRkJmZkIwWmJRUUpzc0gtT3JVbndrNUcwOGl6Q29EYjN6eVZrMjdkallKSVZ2MEQ3Tl9rb0pwQ3RJS1ZDYWpaTHktQ3k3cHMtY25CZW93OEVxNGJsUVJIZ1ZGNkkxZWNLN3BYelJQSDZLV08zYURXdk1F?oc=5) · Sports Illustrated
- 2025-06-12 [AMP’s 2025 Most Admired Companies - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMia0FVX3lxTFBZWFZCTjQtTUt2MmZSRlgxRl9na2RrZUJLR1dUMGc3b0V2ZW5MeURmYVNWMmd1RFNJQk5qSVZ2aFVoazQ5N1NsQlhkRFBBNEFzS0N5T1pJVnJUOExHMlloSWs4S3RFSVNDdkYw?oc=5) · Arkansas Money &amp; Politics

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24432 (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/48.json (key "24432", 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=24432
- 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