# LION
EL DORADO, AR · NCUA charter 24437 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lion-24437

Who the members are: federal charter, multiple common bond, organized 1936, low-income designated. 2,224 members of 4,000 potential (55.6% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $18.1M |
| Members | 2,224 (-2.2% YoY) |
| Full-time staff | 6 |
| Net worth | $3.3M |
| Net worth ratio | 18.2% (p67 of band) |
| ROA (annualized) | 1.39% (p82 of band) |
| Total delinquency | 0.04% (p19 of band) |
| Net charge-offs (annualized) | -0.06% (p14 of band) |
| Loans / shares | 83% (p84 of band) |
| Cash / assets | 30.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.88% (p84 of band) |
| Operating expense / assets | 4.46% (p69 of band) |
| Vehicles % of loans | 67% (p58 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 | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 4% |
| Average share balance | $4,503 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $12,968 |
| Loans granted, annualized | $7.1M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 3 | net worth falling, losing money |  |
| 2016-12 | 1 |  | net worth falling, losing money |
| 2017-03 | 3 | delinquency rising, members leaving |  |
| 2017-06 | 2 |  | members leaving |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | repo signal, loans>95% of shares | delinquency rising |
| 2018-03 | 2 | losing money | repo signal, loans>95% of shares |
| 2018-06 | 4 | net worth falling, charge-offs p90 |  |
| 2018-09 | 3 | loan book shrinking | net worth falling, charge-offs p90 |
| 2018-12 | 4 | repo signal |  |
| 2019-03 | 5 | margin squeeze, members leaving | losing money |
| 2019-06 | 6 | net worth falling |  |
| 2019-09 | 5 |  | net worth falling |
| 2019-12 | 4 |  | repo signal |
| 2020-03 | 5 | losing money, charge-offs p90, repo signal | margin squeeze, members leaving |
| 2020-06 | 5 | net worth falling, margin squeeze | losing money, repo signal |
| 2020-09 | 6 | members leaving |  |
| 2020-12 | 6 | losing money | net worth falling |
| 2021-03 | 3 |  | loan book shrinking, charge-offs p90, members leaving |
| 2021-06 | 4 | net worth falling |  |
| 2021-09 | 2 |  | losing money, net worth falling |
| 2021-12 | 0 |  | delinquency 2x band, margin squeeze |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | repo signal |  |
| 2022-09 | 0 |  | repo signal |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 2 | assets shrinking, auto monoline |  |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 2 |  | assets shrinking |
| 2025-03 | 5 | net worth falling, losing money, expense trap |  |
| 2025-06 | 2 |  | net worth falling, losing money, expense trap |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-08-24 [Top 6 Same-Day Loans of 2026: Fast Funding Options for Every Credit Score - MoneyLion](https://news.google.com/rss/articles/CBMifEFVX3lxTFBRaVRTNmNUQmdkaV9iX3NfT3ZEeFNpZ0JrZXBLQ3RGQ0RkdXhWY0p4WUVNb2NtNjRkS3RWVjR3MUp4YTJ3aDJMTmpZaEpxdWgwY1NhYlM1MXdKZlQwdENTazh4UmNKZ2pUMTRuSDFoeTdjX051MjFUaHhqY1E?oc=5) · MoneyLion
- 2026-06-15 [Your weekly guide to the best music, sports, arts, food, and cultural events happening in Charlotte - CLTure](https://news.google.com/rss/articles/CBMiWkFVX3lxTE4wd29Qdlh1U3EtcVh3VEtNZW11UHNJaERBYW9UOEpoTy1yN243bmdVOERwQkhpeV9XOTVwX3NFZU9yaTdVclFZSnVMcXFuVE55V2lyajZQWHBEUQ?oc=5) · CLTure
- 2026-01-02 [Disney’s ‘The Lion King’ arrives in Sac for limited run - mtdemocrat.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQMTNBRlgzdDN1dms4dGkxTWp5Tk44YjgwWjExY2FHS29CbzFXQUZpdmNqV1NjSm8yRGFScUxIYnRUeXhGci1EOTk1OExwVGV1cHJiejNpdmJtYVBObm83Y2k2R3VULW1fX3VHSEVyVDdaeEUtWC05WF9ZSU1xQkFkU05jOWJGVkZ3NUNSUVZtZjdWbXhyOWVFMUhWYlQ0bjJ5djdqNVZEeER4YjVlQlRDWXBVX2NTdmdScXdfclJILWlPR3NOb1NxUl9mY2ZIUXZRYks3S1RJOC11UQ?oc=5) · mtdemocrat.com
- 2025-11-20 [From lion dancers to choir performances, Calvin Smith Elementary celebrates students in style - FOX 13 News Utah](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNLU42d2UwRWV5cWtwbi1wZ1JCZEtWTWNraEh0c05PaDFfdFdkNEJJb09EY2Zvdkhla01zS1dFZmhaemdzcGRRUW1LU1hsMGgzQkFSSDB2QjJteEZUOW1sUHMxTElvc0d2eWpmYXJYUDVFUDA5R1UyOUxmakpCVzlxcV9ORWg4a0FQbmk4Vy1ZZmtNQnpJbS15bUVsWVg1Z0Z2aUF5ZnBGX1lrbjJxWUZjV0tXWUNqbjQ0MU9YV0d2RVh4bW5wVXd3cU83VnU3UDQyMmNnQjNKWQ?oc=5) · FOX 13 News Utah
- 2026-08-20 [How To Get a $100 Loan With Fast Approval, Easy Repayment - MoneyLion](https://news.google.com/rss/articles/CBMidEFVX3lxTE9Uck9za3ZzZjN0YWNiOHF3R2NNellLZFVMSlZFM1VOTmpuMGRSbnIwNWtFNDlldnBIQ0I2NzJESW1hTlk5cDNtWWtQTzJ6cXpVcnVLYnhxRURsZmJGOWZUSTZfaExHem1Ed3hCcGZMd2ktalBQ?oc=5) · MoneyLion
- 2026-02-23 [Mumford and Sons announce ‘Prizefighter Tour,’ MSG show. Get tickets - New York Post](https://news.google.com/rss/articles/CBMiswFBVV95cUxNNGo5LVRKMExKZ3ZEcldLZTdPa0pTRU5nQ3g3NDcxQTFhUXcwTFZfc1gxa3RMMy1qbU5UYllUX0RSaVM5NFhLbWpsQ2E4T01zNmtaVjFDZkc1VGZGd3FKV2V5UnozcmZodVRUeVlHTVkza2tnSWRvVHQ3a3ZQVUVKT0dCZnUyVWx4Rldvc0NGTkpJNlhyTnRDMkI1a21ELVg1blE1STlvZHdaMWNtNGR1TGJDTQ?oc=5) · New York Post
- 2023-09-25 [New Canton headquarters underway for Champion Credit Union - The Mountaineer](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNR1ZtR2xaZUx4LWJlcmZoYUFTbm53RkNIb1A3NWF0ajJUWHhpcHdFZ0xOa3lGSWY2TllRazVreVU2VGM4TmpBck9Ea2V4TjJVVUowQ093d29qRHpNUVJqdi01R1lFRGtXelFaZUsxbkhvT2tEN2V4RlFZSnM1VWxWT3BBYzFUcmlYRTZ3dmg2aHBfRW9OdTR0eEV0VWZjSWw2ZFZfb3pnMmxxVnR3N3BvTHAycDZyZWdMZU5GeEVIX0lzZGZxcWwwMHZnczJ5TUhDczJFU29KNWdQRTJK?oc=5) · The Mountaineer
- 2012-02-21 [Woody Allen Harris - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihAFBVV95cUxNV294ZDFDenJqSG5pVFlOLW9mbzdvbU9pZ3htMkpfVF9pazRhb2JrWDJDbVVxZWozbm0tR3MzTXRRa3JGWkR0ZEMtbWl4RWp3dXRMd1VIZUQ5YzN0R19fbnd4bEdka0lFZzdXZlQzQzlobFkxb0d6OXNmendfRnB4ZHc4b0o?oc=5) · The Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24437 (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/53.json (key "24437", 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=24437
- 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