# ENGINEERS
LITTLE ROCK, AR · NCUA charter 24440 · asset band <$50M · latest filing 2022-09 · stopped filing after 2022-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/engineers-24440

Who the members are: federal charter, government (single sponsor), organized 1948, low-income designated. 346 members of 700 potential (49.4% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 32.

**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 | $2.0M |
| Members | 346 (-7.2% YoY) |
| Full-time staff | 1 |
| Net worth | $367,974 |
| Net worth ratio | 18.3% (p80 of band) |
| ROA (annualized) | 0.10% (p38 of band) |
| Total delinquency | 0.00% (p9 of band) |
| Net charge-offs (annualized) | 0.00% (p30 of band) |
| Loans / shares | 93% (p94 of band) |
| Cash / assets | 23.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.92% (p67 of band) |
| Operating expense / assets | 3.26% (p60 of band) |
| Vehicles % of loans | 89% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p42 of band) |
| Vehicle delinquency | 0.00% (p17 of band) |
| Vehicle NCO | 0.00% (p30 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $4,741 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $13,962 |
| Loans granted, annualized | $975,337 |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 1 |  | losing money |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | assets shrinking |  |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 3 | members leaving | delinquency rising |
| 2018-03 | 2 |  | members leaving |
| 2018-06 | 3 | delinquency rising |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | losing money, delinquency rising |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 6 | members leaving, loans>95% of shares |  |
| 2019-12 | 5 |  | loans>95% of shares |
| 2020-03 | 4 |  | members leaving |
| 2020-06 | 5 | members leaving, loan book shrinking | delinquency rising |
| 2020-09 | 5 | net worth falling | losing money |
| 2020-12 | 4 | margin squeeze | assets shrinking, net worth falling |
| 2021-03 | 3 |  | members leaving |
| 2021-06 | 4 | net worth falling |  |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 2 |  | loan book shrinking |
| 2022-03 | 3 | assets shrinking, members leaving | margin squeeze |
| 2022-06 | 4 | delinquency rising |  |
| 2022-09 | 3 |  | delinquency rising |

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

- 2025-12-22 [Arkansas Business Reader’s Choice Best of Biz 2025 - Arkansas Business](https://news.google.com/rss/articles/CBMilgFBVV95cUxOdFBUWnp5SVMyVUplRDRBYVl0N0R0VFNkNW9VUlVUcHlaVVNwV1NZR05rcWRoenJKeHJLM3FlZjlSMWZXOXlrYWZZbVlTSUdMRjZWRVlMMXRlWlIxWlFPY0RMYlJ5ZXE0emR2aUpBOHJVTWxsT2E4UmlDWjg5QlA3STBZcXBtR3BpVU1xWlZZWFQ4Ry1tTWc?oc=5) · Arkansas Business
- 2024-10-11 [Credit Union Expands To Jonesboro - Jonesboro Right Now](https://news.google.com/rss/articles/CBMiggFBVV95cUxONzZpSGJoU09wRTNrbHpBZVFKMl82d3lURWJXVEhXRjRTVENiek5aVHNjaHpnSGtGbG0taXdVVjhtekF0YkNMZjNZRS1CYlRHRU51WDdjM3Z6VC11WmdOcS01UnNaamZDQ2FpUFE1UjVycFgyY0RlUFFRYjFOd090RUZR?oc=5) · Jonesboro Right Now
- 2023-03-14 [Spring 2023 Architects & Engineers Project Report: TelComm Credit Union operations center - Springfield Business Journal](https://news.google.com/rss/articles/CBMitwFBVV95cUxNQm5iV1F1UmItWnlsQ1RPNXRkanAzbE9vdmp1cTVxM3A1UDhpQTc4QVJtV2l3OFlDY0xVNHN1c2VEQzd2QVBWWl9qNEkxVkVDQkZvMk1rRVBFN0hrTVpGN2tXZUR2cmMzeTc0ekZrRUpoYTAxbXlXdTdZNHE4R1MyVUlpY1QtaW93a2JVUHhrV0RISkFCNzJHbnhlOEdOR2pDVHN6c2twMncyTzBnaHVERlBaSU0wSkU?oc=5) · Springfield Business Journal
- 2008-08-04 [DCU Dominates Local Immigrant Finance Market | Word of mouth helps credit union keep diverse customer base - Worcester Business Journal](https://news.google.com/rss/articles/CBMivgFBVV95cUxNQl8zRjVYXzVJZWFyX0dhNG5aS1JNQ3BqeHJQSGtJOGx6ZkNqTlpDdHJPRmlzQ2FjdjltMzBUbXBxeHRCQUw2aWM5TFMtSHNIYUZuMVJiaEFiWDFkX05IZnlSa094UWt0N1RuQkZtdlVKYnlhcHFWZF9US1JSUHJ1d3hWOVNiSEJVREZIbHJfX0ZaVnRBUlR6b1JCeFluQkhyRHR0Z1lKYW9ZcUZQcENmZW01SHB1N21ZYVVVcFFR?oc=5) · Worcester Business Journal
- 2024-07-22 [Henderson Engineers Hires Taisiia Walker as Mechanical Designer (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMivAFBVV95cUxOcDh6S3A2ME1JZ2VXQXVuSDQ3S1BkZzNMMGVHZi1IQXZ5Ry1tSE1hZ0cxZWVvTmpvRC1BbjlleW5mMy1qeXZTeFB3M0RRZjVLTGJUeGd2QzhZYTAxZ1hobTkyNVJ6Wlk4Y2ZiUmtvRWVkeC1YMEFaVG9DanlZS0VxdFNBZ2tXcFREOUZvOFpJRXdma3VBeFl5VFJsR3BmMDktTHZiZFNONVpuWWZQbm5hRnQ3dm5zSDJXUVJ4cg?oc=5) · Arkansas Business
- 2023-11-11 [Pape-Dawson Engineers data breach $250K class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPN1VQVDF6cEV1ZVJ4bHRTb0NjOFVsMnh1eWJPcXBWak1wNldJbmVqM0taYzY1eWgwQUJJcjJMRXQzdUI0bVdqaktGQUR1dG5rTWxOdHduMGhLUURvdDZlMGVMSGl6alNCOVAyUVVVM1MzNlhqRUlwc0puMDFpTm5kWWdId0RtSzMxclhXSzNLUlJmLUhId2tsMVh6M0tnNnQ4bnhoZGExX0dFcUFDTUp3RDE4MlREdXdMOUl3V3kwYk9UMHoxMFN2N1BpUlN3WVZYbVE?oc=5) · Top Class Actions
- 2025-06-23 [Arkansas Business Announces 2025 Best Places to Work - Arkansas Business](https://news.google.com/rss/articles/CBMikAFBVV95cUxORGFHOGxwNk92QzU4MHExTVE0ZFNJUktlUTZEeGpyTzRCM2ZnXzZOMDFGVjVZS0lWTm1uZEpSdzlkVkdVSGo5OE5IY0I1dEZMZEZaQkl0cHVocGhhd25XclBTUjEtRVQxR0h3NVc5cm8wSTRYZ0dYLVhQalRndnBUbk1kZ1dNc2U0XzNrU0dqU1M?oc=5) · Arkansas Business
- 2022-12-26 [Arkansas Business Reader’s Choice Best of Biz 2022 - Arkansas Business](https://news.google.com/rss/articles/CBMilgFBVV95cUxNWXJweTY2Zk9yU0lQb3NPQ2ZTZ0NJRmFVZG5tXzBIcUNQNzZwX3pKd2Z6cnBSS1ZoaFRJWk1veENlRlhfQ2RQTVdSU3JuZlI1ZXpRNkNSblZ1cXFHdWFIZm15dTFmdkFWLUNiNlRvQWtfMmpubG9IcGdvcUtFQXZIdC1qVWR4RnJFcVdsV05UQURxS1F4TGc?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24440 (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/56.json (key "24440", 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=24440
- 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