# ARKANSAS DEMOCRAT - GAZETTE
LITTLE ROCK, AR · NCUA charter 24441 · asset band <$50M · latest filing 2019-12 · stopped filing after 2019-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/arkansas-democrat-gazette-24441

Who the members are: federal charter, service (single sponsor), organized 1936, low-income designated. 641 members of 1,300 potential (49.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.7M |
| Members | 641 (-11.3% YoY) |
| Full-time staff | 2 |
| Net worth | $1.1M |
| Net worth ratio | 39.4% (p98 of band) |
| ROA (annualized) | -2.36% (p2 of band) |
| Total delinquency | 12.71% (p98 of band) |
| Net charge-offs (annualized) | 1.57% (p91 of band) |
| Loans / shares | 57% (p43 of band) |
| Cash / assets | 37.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.38% (p81 of band) |
| Operating expense / assets | 5.13% (p83 of band) |
| Vehicles % of loans | 68% (p69 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 15.18% (p99 of band) |
| Vehicle NCO | 3.09% (p97 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,114 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $4,788 |
| Loans granted, annualized | $225,075 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **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 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | charge-offs p90 |  |
| 2016-12 | 3 | losing money | delinquency 2x band |
| 2017-03 | 4 | delinquency 2x band, assets shrinking | charge-offs p90 |
| 2017-06 | 4 | charge-offs p90, repo signal | losing money, delinquency 2x band |
| 2017-09 | 6 | losing money, delinquency 2x band, loan book shrinking | repo signal |
| 2017-12 | 8 | delinquency rising, repo signal |  |
| 2018-03 | 6 |  | delinquency rising, repo signal |
| 2018-06 | 8 | delinquency rising, members leaving |  |
| 2018-09 | 8 | repo signal | members leaving |
| 2018-12 | 8 |  |  |
| 2019-03 | 8 |  |  |
| 2019-06 | 6 |  | delinquency rising, repo signal |
| 2019-09 | 7 | members leaving |  |
| 2019-12 | 8 | delinquency rising |  |

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

- 2026-02-03 [People’s Trust credit union under conservatorship - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMingFBVV95cUxNcEdZZ21VSUdvTUw5aEtTMVVZQ290NUduWEFxVkV2Tnc3U1NHRzdpWDhmelpfSmtFNXlvNjl1Tk5kSFVwczVnb0xNWndacVJfRUtKbllRTUU1d01yckY1bnRBenhiZHRCdTJjWVU5dmtYcXhxbVZHMWl0aFdCV0VlRUZpUFJXWjVoSmliUENYdVNCeWpTR25URHFVd1p1UQ?oc=5) · The Arkansas Democrat-Gazette
- 2026-06-28 [Little Rock seeks new host for rental aid program after People Trust Community Loan Fund halts initiative - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMinwFBVV95cUxPSGVlZVRFRTU1MGpNWlFCRjA5YjgxUnJTYXdqRTE1Z1psUVhUdGFpUVZ1QkJEUjZBakNXVUVYWXZMUWRYYTUyUUV5OF9yX09XR1lOZDlfbE9SLWxkMmFrSzhkSnVCSmpFbFdfTldTSnFRXzliMG9oRUkwdWdpTFBZXzA4bHdhVHRNUUxhcHp5aWlMVVRoQ2N0d1JEdkN6c2c?oc=5) · The Arkansas Democrat-Gazette
- 2026-02-18 [North Little Rock man accused of using homemade device in attempt to blow up ATM - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMinAFBVV95cUxNS0IyWHpGMGhRbWgxZWxKQ2FVYU9qZkxIc21jZlNyY3AwdTJPOHYta0pGVlhWdENtV05XZFZkUlR0VUtmd2xKRG16TkRmbmtoRnBpblFHLUd6SDZnRWRnWjF4OVE1cHEwbnFSNFgxSVRLbmdOWkNJY0FkQ211SlRfVll0eV9Ya3JSNi1vQzNZZndxblk4R2xYN0F1Q0U?oc=5) · The Arkansas Democrat-Gazette
- 2025-12-27 [Barbara Smith Obituary - ALEXANDER, AR - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxNMDF6UFZyeS1MS3JBZ3ZwSUNKSVVxM3dMaGtZRXNzMlJrQXgtZU9wcWQtalp1YUgzX0ZLQk9RcGhzNE81MFlnMlZkNkEtNURiVjBJdERnaHFna3MwWHNXUU42ZnlhbWhPMGhkeld5YmFrSnN0aEUxYkNuNkUwTjRYTFRYS1M?oc=5) · Dignity Memorial
- 2026-01-14 [Mills High School hosts ‘financial reality fair’ - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMimwFBVV95cUxQbXZ1VnF3N09iTEY2VERTaXhOVEVaNVJEU1VqVWZJVTVHbjRIRmVaM0RrWjVFcTM4QU9MdlVoNUd4Z2xlNWVWaFdqNTVyTjFJZVQ4S1JDaEJMbW94cTJUaEFrZ2g4MGZfVWxkQV91RlN4T0VLS253TGh6QUtXWTY4T0tnU1JLbFBiODI0cnBxT2ZyWnFaS2Itc1J5TQ?oc=5) · The Arkansas Democrat-Gazette
- 2026-02-26 [North Little Rock man charged in ATM bombing ordered to remain in jail pending trial - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMimAFBVV95cUxNUHVoSlg2ZGdHQ21rejlheWxQaFplRHBRdzJwOVFKY1RIZkFlckhjRHNPVDkxYmVpZmMtQVJKSWRkN0pZa2VKRjhkNmZLX08tMDl5ekZqUy1xQTllQ0dFaWtnLTNyMUMtY3R1MFg0OHNCVFp6RFZzVjhGOVR4TDRKR3lsNnExMmhsUTJ4X0pqV290NzUxUHVWeg?oc=5) · The Arkansas Democrat-Gazette
- 2021-07-01 [Little Rock's Pops on the River leads July 4 celebrations across state - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMinAFBVV95cUxNTTZFNmZRcU5lNEdmT29mU1JER2J3UVhjdXl0NFQ3RkhEVUt3cEJVdXI0VXg5dXQ0VDktaXhYenhNTFNybUNMdFhkVlBhTFprS0JZUzFMeEFobFBOejJ2Q3NaMUdoLVZiTjgzejJTekRjX0gxOVpJSGlsUXJLRUl5VXNSb0ZOLUVpMXUxbnJFOFdxZzV3TTlwX1J2QzU?oc=5) · The Arkansas Democrat-Gazette
- 2018-06-03 [REAL ESTATE TRANSACTIONS: CVS-affiliated company buys former gas station in North Little Rock - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMikgFBVV95cUxNenVxZGNXa09wcUtrQW5HTlpZRHJpS254bDRRTWFGOHZfd0JkT1VlWlZITXg2U29HbUI5ejd2UUg3VDBtMWEtNjhEOWZGc0NOZWhONi1TNTFUX3dMR21SWHdsdjE5R0c5cXQ3bE9melJMMDZqemhkZlFmOGFnTWhSVXFCb0V1TDgyV295bmpHWTJTdw?oc=5) · The Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24441 (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/57.json (key "24441", 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=24441
- 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