# ARCADE
Asheville, NC · NCUA charter 62114 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/arcade-62114

Who the members are: state charter, organized 1952. 761 members of 4,000 potential (19.0% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.0M |
| Members | 761 (-5.7% YoY) |
| Full-time staff | 3 |
| Net worth | $1.1M |
| Net worth ratio | 14.1% (p45 of band) |
| ROA (annualized) | 0.74% (p58 of band) |
| Total delinquency | 0.66% (p50 of band) |
| Net charge-offs (annualized) | -0.02% (p18 of band) |
| Loans / shares | 55% (p47 of band) |
| Cash / assets | 50.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.91% (p51 of band) |
| Operating expense / assets | 3.64% (p50 of band) |
| Vehicles % of loans | 66% (p57 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 6% (p89 of band) |
| Vehicle delinquency | 0.34% (p46 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 20% |
| Average share balance | $5,764 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $64,030 |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $12,206 |
| Loans granted, annualized | $863,776 |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $64,030 outstanding purchased (5.7% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares -3.3% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **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 | losing money, charge-offs p90 |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 3 | assets shrinking | net worth falling |
| 2017-12 | 3 | delinquency rising | assets shrinking |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 2 | assets shrinking | losing money, delinquency rising |
| 2019-03 | 4 | losing money, delinquency rising |  |
| 2019-06 | 3 |  | losing money |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 4 | losing money |  |
| 2020-06 | 4 | delinquency 2x band | assets shrinking |
| 2020-09 | 6 | net worth falling, margin squeeze |  |
| 2020-12 | 5 | auto monoline | delinquency rising, delinquency 2x band |
| 2021-03 | 6 | loan book shrinking |  |
| 2021-06 | 5 |  | loan book shrinking |
| 2021-09 | 4 |  | losing money |
| 2021-12 | 7 | losing money, delinquency 2x band, delinquency rising |  |
| 2022-03 | 6 |  | margin squeeze |
| 2022-06 | 5 |  | members leaving |
| 2022-09 | 4 |  | net worth falling |
| 2022-12 | 1 |  | auto monoline, delinquency 2x band, delinquency rising |
| 2023-03 | 2 | assets shrinking, auto monoline | losing money |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | assets shrinking |
| 2023-12 | 2 | members leaving |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 3 | delinquency 2x band | members leaving |
| 2024-12 | 3 | loan book shrinking | delinquency 2x band |
| 2025-03 | 3 | charge-offs p90 | delinquency rising |
| 2025-06 | 1 |  | loan book shrinking, charge-offs p90 |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | members leaving |  |
| 2026-03 | 4 | delinquency rising, loan book shrinking |  |

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

- 2026-08-24 [Shirley Ann Wilson Obituary (2026) - Asheville, NC - Groce Funeral Home & Cremation Services - Patton Avenue - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQZGthTF9xaXFCck5Zel9SLXJlNFpwN19UcWVtejNoYlFhQ0ZRME9kR2xkUkh0QnZCRE4xTDlPcVRtRDk2emdYdXpQV2xNVTNQN1lHVkxWWlBNY2Z5bk50TWZCcVBWMUljcE1Ob3g5TV9KZDNyRjVqclE3UE5kREZ1WWtvdw?oc=5) · legacy.com
- 2026-09-02 [Let's have a Feel Good Friday in Raleigh - 6AM City](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQSmUwdHJHOWdvbU5QZ0RKWHZxNlVISC1HNzU5bnpLVWMzMVBGcF9JR1RSeTMyTUhNUXktTWFxZENheDcwdTR3dEhGLUtSVDBaYUlQN2ZSTlVMeHB2OVBIVmU5WXU3ZG9xb044NDdDbWpMcW5pNVg2eWh0OEY2MmFrMFpJSTE1d1BWbVBZ?oc=5) · 6AM City
- 2026-02-04 [5 Seconds of Summer announces EVERYONE'S A STAR! World Tour support with The Band CAMINO + more - MELODIC Magazine](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQS2gtUEJPY1RYVlR5dlZvYk1mRnZISkNwZVRoT1dHaTVzUzJld0RBdzkyUVFHdUpXRW9nQjRxQjJtTDhFTXR4TzVXQk16OUdFa3NaZmMzal85MDh6Ti0yUGdHTjNWV2xkV3JIcFRzODhxOG1Vbl9CVUZ6elFrbjZwZF9SdU5aeXIwaEdJcVpQTVRTS1lneWtXQjF5S0NsX3I0X1YwdXlWdy1NTE1idnQ1MXZxQmU2Z1lieU1maG12UHVtQQ?oc=5) · MELODIC Magazine
- 2023-07-05 [Double Tap KC Arcade & Sports Bar to Host Official Racing Louisville FC vs. KC Current Watch Party Presented by Boulevard Brewing Company on Friday, July 7 - Kansas City Current](https://news.google.com/rss/articles/CBMioAFBVV95cUxOM1pVbk9LS29HRHdZNkpHcGJ5SmJXOUZDRUFpdmtrdXZSZEc0Q3I2c0NJZERRRURoWmw5bmtFZkxVTk1Ob1YyR2dUdVA4MWhPVFM2TlFfa2Zub3FHbkRIWVd4ZV9uTkRRUXg3Nkt4RDF3MVBTM1pSM3QxbnExRzJEd1pGNkxVWkhFNTZmaVJXMnhYOE5VcFhQVnQ5UzBhNllq?oc=5) · Kansas City Current
- 2022-07-15 [O.A.R. Releases New Album ‘The Arcade’ - Shore Fire Media](https://news.google.com/rss/articles/CBMifEFVX3lxTFBORFlybFUwVHBHbm9YX1l6aU5KX3MwYjQ5NkJIMjVrWFdFTHNtT09JMDhFaEM1QVdlQ0w2ZTZ4d21GMGtCTm8xM3lzMHJhLUN3dnpQNE44RVJYZFpYb0ExNndJMTB5Q05Pb19lWXg0SEczVDgta2pUTTdqUWw?oc=5) · Shore Fire Media
- 2022-05-19 [O.A.R. Debut “In The Clouds," Off Forthcoming LP ‘The Arcade’ - Jambands](https://news.google.com/rss/articles/CBMimAFBVV95cUxNMVoyT2g2U3QtY1ZNbEdvLU9malY3Rl9vNmF6SnYweDNyZEtvMlZYbnE1MTBRYVZ1bV9ZY0ttbVdxUWFnRkdnNGNLMkZTLVpFMWlBUEFlMlhqa2hqdjBJYnhkSjhRNWF3bWRwWS1VTm9tN2h5WmhaOUtnQTJ6dmc5UmVfeUdRYl9PcEU3UmV5U0NDVl9fS2hRUQ?oc=5) · Jambands
- 2016-05-18 [Anonymous: The million secrets of Julian Price - Mountain Xpress](https://news.google.com/rss/articles/CBMifkFVX3lxTFBoWGRsd2E1bG41WEFjNk9WU1hockltell1TWZMaWtDdVRCRkRFNUNZYzYzX1RJXy1QMjdBSzZaTHk4VWV4NUo0WWd6M0JwVDRBVUtITm9VSkdLazd0UU5CdTFuUUFuT21Hdkw0aGU3QkZuemNwZUlFRVM0TEIydw?oc=5) · Mountain Xpress
- 2021-11-30 [TD Bank Penny Arcade Class Action Settlement - Top Class Actions](https://news.google.com/rss/articles/CBMisgFBVV95cUxPRWFCYWkxaUpJVkJMcWxMU1dyWEZCeTNOSF9oSUMzY3VQOWcyVnp3d1VaQjFfanREUlFfNDZuODd0UnlxLXZBZ29MNk9yYVlCeEtVU3ZpV2s2akdKY0NES0FwTDkxZEN6V09ZdHVfRXBZZW1XbEhaRGg0cDNHaGp5RnJqWUpqWjFPX3Y1ZjBGR0t5ZTdyOEd6SEw4WFEzWlZucnFHV3A0cVJoVmVGb194SkJB?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62114 (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 "62114", 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=62114
- 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