# SUBIACO
Subiaco, AR · NCUA charter 5922 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/subiaco-5922

Who the members are: federal charter, community charter, organized 1948, low-income designated. 2,153 members of 97,381 potential (2.2% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 24.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $27.1M |
| Members | 2,153 (-3.9% YoY) |
| Full-time staff | 7 |
| Net worth | $4.3M |
| Net worth ratio | 15.9% (p56 of band) |
| ROA (annualized) | 0.46% (p44 of band) |
| Total delinquency | 1.83% (p76 of band) |
| Net charge-offs (annualized) | 0.20% (p64 of band) |
| Loans / shares | 28% (p11 of band) |
| Cash / assets | 73.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.60% (p38 of band) |
| Operating expense / assets | 3.21% (p38 of band) |
| Vehicles % of loans | 57% (p44 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.94% (p63 of band) |
| Vehicle NCO | 0.35% (p78 of band) |
| Repossessed % of vehicle book | 0.26% (p95 of band) |
| Real estate % of loans | 3% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 90% |
| Certificates % of member funds | 4% |
| Average share balance | $7,552 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $12,276 |
| Loans granted, annualized | $2.3M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 2 | repo signal |  |
| 2016-12 | 1 | net worth falling | delinquency 2x band, repo signal |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | assets shrinking |  |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | losing money |  |
| 2019-06 | 2 | net worth falling, loan book shrinking | assets shrinking, delinquency rising, losing money |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | members leaving |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 | delinquency 2x band | loan book shrinking |
| 2021-03 | 4 | net worth falling, loan book shrinking |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 | margin squeeze | delinquency 2x band, net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | net worth falling, losing money |  |
| 2022-06 | 3 |  | members leaving, margin squeeze |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | loan book shrinking |
| 2023-03 | 2 | members leaving | net worth falling |
| 2023-06 | 2 | assets shrinking | losing money |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 2 | delinquency rising | members leaving |
| 2024-12 | 1 |  | assets shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | net worth falling, losing money |  |
| 2025-09 | 2 |  | net worth falling |
| 2025-12 | 2 | members leaving | losing money |
| 2026-03 | 3 | delinquency 2x band |  |

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

- 2015-06-12 [Subiaco Credit Union Robbed At Gunpoint; Two Suspects In Custody - Southwest Times Record](https://news.google.com/rss/articles/CBMikwFBVV95cUxNVXdTTkNNRTZpSzd0VUtrS1FJY3VKTWtiQ1g4RnRnUzN6aFFuS0hqS1c1UDNWeTJKeDV5WjkwRmJXdmotOXhxYzFJYS1kWTFJZlp4WXhTdHp6dkt0ZGZqeGl1S3JYR3RZV1lMbDJGejQzdUxScFByVklzVThUcDB4OHVLZ2NqdjQtR25VMGczLTQwenM?oc=5) · Southwest Times Record
- 2015-06-12 [Logan County Deputies Release Bank Robbery Suspects’ Mug Shots - 5newsonline.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxOQlY3RXpyWU1YSi1GVWpWSTdyb1hVZzRoOVUyZVlva0pNMVkzZUFtTkowdlhqUlRlNjlTdE1RZG1wajZLMURRa3lKc2RhTTJJYUZ0cFh6T2ZSS1pqX2IyV1VIUEVJQnR0bWRtN2dZUlhvUm1GdWEyaUhvY3c4U09wRUt4MlVtemxoTDNrQjFVaW12MHloWkt1QWNhQTdHY2ZOOEtRM08ya2NBQ1VJTERTVWFBUWNuTUdXNzBBa3dON25PVGJya0hVNDdzMUcyZFJ4WUQ3VGY3ZkRmSkU4bkJrbHVxdW1HX09lX0tDem44eURvWUI4ajJIY0ZVa05YZWNzLXVZ?oc=5) · 5newsonline.com
- 2018-07-18 [Hugh Patrick Costello - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihgFBVV95cUxNSVJLcjJsU2I4UF9fTDRxSDFSVnRuUl9oNXRxNWFJRUxnOEJET1FoWkFxcHRKVThuczItSURUUGswLVp4dzcta2wydWppcDJaWTFEVmxEbkpxVm1xcjF0Y2ZaZ2dfY2JNMHFSREYxaUFIaXBVWEpBQ0ZXeU1VU1paMTdNalNhdw?oc=5) · The Arkansas Democrat-Gazette
- 2016-07-26 [Man who escaped Arkansas jail sentenced - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQZllXRnIxU3J3bkVaNzVQcjgxY21UR0VseTM0ZWdvc3pENE5NU28tYjNSODR1MlVtd01HNGJOdXJVVElEQnE3TWNYYW1oLTVEaGV5Y2tOX0FLbmNSTU9hSWRRWTZBTnpfZDNQbDJJWG0yX2tWV0UtRE53eU8yS2FISmZWb0dSa2lyQVdF?oc=5) · Northwest Arkansas Democrat-Gazette
- 2019-06-22 [Annual Cove Lake Fishing Derby a success - Southwest Times Record](https://news.google.com/rss/articles/CBMirwFBVV95cUxNd1JNLUc1RUoxS0lIQXJ3RmZNaS1YejRjQXBYSVEtYUxtNTBYaWRhME5CbzlOX2J3OVRqME9VSm5DSnpLdkdjY0dRVG1YMVZDcjdvRVdFVTlGcHYzWnFPQVMxN284TGRyTWVlbHVoRU9haU5pQkRBdjkwVGFjaVdRdjQxb0tqOGVGdnNrTkg5NFhRUTYzUjlLbUs1bmtUVW9ZWXJWRi1ZWHBTMnlBd2h3?oc=5) · Southwest Times Record
- 2018-07-20 [Obituaries for Wednesday, July 18, 2018 - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPaG9zY043QWtXN2RUZEFTSWZrWl9IdlFfd1Y0cG43NUJqcmt6TnJmMHk0bmZLcy1KV3NzSjZpSEh0UnJVTUJsU1pRTlV3aDBzOWhJX0ZYY0x5OWJaUUFTeFJEejVhRi1jdWtwXzFjb3BBdklhS1dubUd0RzBHamNLNHRaam5xcHdQ?oc=5) · Northwest Arkansas Democrat-Gazette
- 2021-06-30 [Paris Chamber, New Blaine VFD to host July 4 celebration - Southwest Times Record](https://news.google.com/rss/articles/CBMitwFBVV95cUxOVnVHejczYlhIU1N3cjBXSndyanMzMEppOVp1WUcxb3J5Z3hocjNGd05IYXJYeEFtUkRqSnRObks2X2VEbWxlcjFQNy0telRTd0I2X0ZXLTRHQ2tVVHBWamk1VjlhQXkySTQ4VHV3cW55V0JZU1BzRFB1cHFKSDFJSVFIMUdaR3hwUHg3UjNVZmNEdjNKdEV3QkM0NlFXdDItcUN2ekYyWGNBckZldGhFMGdQMTFjUEU?oc=5) · Southwest Times Record
- 2016-07-06 [Escapee still on lam after week - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMilAFBVV95cUxOendnN0FrOURuN2VyY0FqWEUwSE53RmJnQTB2Sm9HcW5TdkJ6YXBxaUgzeUFBblY1NmxIa3dPbTFtbjY5X0d0N0RBRmY5aWxJYVZaSzEwQi1mTjFGenlwUDFJQ014ZF84bVBJaWRaOEV1anVqTUZNemlNTUdsLTdwWXkwZnFLWDBhaU5TYXZid2RUOEdN?oc=5) · The Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5922 (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/34.json (key "5922", 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=5922
- 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