# MIDSOUTH COMMUNITY
Macon, GA · NCUA charter 1410 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/midsouth-community-1410

Who the members are: federal charter, community charter, organized 1936, low-income designated. 43,724 members of 538,717 potential (8.1% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 43.

**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 | $481.0M |
| Members | 43,724 (1.3% YoY) |
| Full-time staff | 116 |
| Net worth | $68.1M |
| Net worth ratio | 14.2% (p85 of band) |
| ROA (annualized) | 0.69% (p49 of band) |
| Total delinquency | 0.89% (p73 of band) |
| Net charge-offs (annualized) | 1.23% (p94 of band) |
| Loans / shares | 78% (p59 of band) |
| Cash / assets | 10.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.99% (p76 of band) |
| Operating expense / assets | 4.35% (p77 of band) |
| Vehicles % of loans | 65% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 41% |
| Third-party paper % of net worth | 129% (p65 of band) |
| Vehicle delinquency | 0.98% (p77 of band) |
| Vehicle NCO | 1.80% (p88 of band) |
| Repossessed % of vehicle book | 0.19% (p84 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 19% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 26% |
| Average share balance | $5,300 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.2M |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $17,367 |
| Loans granted, annualized | $122.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.2M outstanding purchased (1.8% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 0.9% year over year.

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | charge-offs p90, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | charge-offs p90 |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | delinquency rising, charge-offs p90 |  |
| 2019-06 | 3 |  | charge-offs p90 |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 4 | delinquency rising |  |
| 2021-09 | 2 |  | net worth falling, delinquency rising |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | charge-offs p90 |  |
| 2023-03 | 2 |  | charge-offs p90 |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | charge-offs p90 | delinquency rising |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | charge-offs p90 |
| 2026-03 | 3 | charge-offs p90 |  |

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

- 2026-06-14 ['Remove any barriers' | MidSouth Community Federal Credit Union hosts career closet sale in Macon - 13WMAZ](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPRURJRFFHZVB6dFAzUG5MRllaclVvY01xQ01HbE5vX2ZPdDBPMk5neTZiVmZTejE1TElBQXFNaDNPN1ZCY05pS3FLY1QzTVlFNmRYTExvMEdOUFFaX0s0SU80QVk2VWNHQ09xdUpOc0x1ZW5KOW9mR0VBczJyR1R5QXY4OUlwZ1UxWkFnenQxT3VhbzRYdVE2NVhYcTlMN1JLLXNxUmhOMmlsemVITHVOWFNBVmFyZFJsVk9QREx1WU12ZmRWVjl0VzZsbTdjVmdoS1Q3eWJRX0otdm9ob01SMVRqVDJoQmFYTFB4NTZIVXRIcTBC?oc=5) · 13WMAZ
- 2025-01-03 [Macon man admits stealing more than $38,000 from credit unions, buying phones with cash. - macon.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFBCOUNVOHo3S3BCQ2NBQXRjWTVTU3VwOC12b3RKNnc5ajlrYnk5cHBxVnI2UlZva2V0bWJnT3JpT2hsRmRBS1VxLV9FVjMxODZ4QTQxTW1OVWRFSE1USlJMQ3dvZGkyWjh4VE9KRtIBbEFVX3lxTE9sSTd1REJ1dlpESWZucmtyN3RzWm1iN0FMYWw4RWk2T2tXZ0I4Uk9qM3k4R0lSa2FFU0VMVjE2anBaQ2hycW5Ha3BQcXQyZi1CS2NvTTdzaDA0cGdfczhqdHExaU5GdEV4YzNoZg?oc=5) · macon.com
- 2025-01-03 [Macon man pleads guilty to robbing credit unions - The Union-Recorder](https://news.google.com/rss/articles/CBMijwFBVV95cUxOdXZVY1VZQ280cEMwQWxkN24wMzEwSEMyOHZFRGhvMjlHOXY1VExWRnpISHFIZ2ZFbU1QcVR3WDhaZ0I2WnRTbXBFZ0QyV2NsVjhCN3lfQlpDUWt1THhSbmh6a1hKcGoxdFJBYjg1WC1NdUxWM2VubFBGd3V0UHZEU2NBY1hIWDl5ekdZeU5idw?oc=5) · The Union-Recorder
- 2025-04-02 [Macon man sentenced to over eight years after 2022 bank robberies - WGXA](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNUWdMeE1tN0s1Q2xvY0FJaUxsajh0SXd3UHJkdUJwM095bkdaNlhXTlJ6SU9OYW9Ca09pVGZJYllLS2JET1pQd2cxLVZyakZINk5QV0hqWE9DekFfWEtOV3k4WTI0RWk5T3pvaFVFdlVnWUlLT05SaWczU3ZYbGJ4UDdpNVhuRjk0dWhCWHh6WTZHT29QdlM3a0RMRXNtTWRvYkNja0V0ek10UlRQX2FJYzZmOVY3TFFYWGM1bUt4c2xqYzBQb3RTSlQ2eDlNX25JZURXUXZPbjJ0Rm5kRGp0Q3hMYmk3ODZrRktxY3ZpNU1DRjVhc3dxbA?oc=5) · WGXA
- 2025-09-10 [Midsouth opens Trawick Center - mymcr.net](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNTzdaQ1JMc1o4N0psdEVqcVlnUDd4aUZhdmxFNEJPZHZXWVMxNXA1MWlldExsSmV0eUR4WkFIa1p4T1pIRVRDZGU5R1dnUWlfQ19GYkhMSXltU2JCb2FHLURBOU9zaERGdVRVYjdnZUh5b3hEY19JVU5BY1RnUlpZMTduMjJubjFrcnJsUXRvcjN1M0NnVlU5QURTZDBiMDlCNHJNVUxpandQdw?oc=5) · mymcr.net
- 2022-09-16 [Bernae Holton Mink Obituary Sep 16, 2022 - Hart's Mortuary & Cremation Center](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBJZm1idzl4Nm5sQkx4NEpXbzF4RV9lZV8zek44R0FoZkFlejliQkZpdFVDTFRsbFF1R3NmWHRxT1YwckdkRnhtdmJmbk42bVluT01rdE1QQWRwNDlt?oc=5) · Hart's Mortuary & Cremation Center
- 2020-07-29 [Man wearing surgical mask and latex gloves robs Macon credit union, cops say - macon.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5ZMWQxQjkwajVUTTU3S19ORUVfSFFWLXZkU2I2M1NWTllmMGdYWjZoZFViMXpFa25YX0c4UV9tMFdXZkVRQ1VOVWREdlB5a3lzZHd3aU5iQnpwZkNSNWtONEd0QlnSAWRBVV95cUxNZUhGV1VzYWQ3QWh3MzBOZ3YwTEFDODNuUkVvZDlMZlBJYWllT1J6cjAzeDRXRzFzOHFxM0NiNktWTk9lRHJVbUFFcThHSUlXYnpwdzlpaU5GMlBXWW5BSlpWZm5z?oc=5) · macon.com
- 2025-01-03 [Macon man pleads guilty to string of bank robberies, faces up to 25 years - WGXA](https://news.google.com/rss/articles/CBMigAJBVV95cUxOdG10azdyakIxSGh4X0lkLXNqU3VHUXR0SWlOSHowOXUwV0R1RU8wQjg1WWs5RnhENXlUTWR1UnRkaHRVUXQtSll3Y21KdWhkakpxM2dZal94VjFENXlRbWV5eHpjeWlsMUY4d1VLaUIzbUhOdkd6Y1VuRU0tTjZva0ExR0FYc25VTExRMGpYOGk2S29vMVRVR1JYUW5oTVpJMl9EeWdpeVo4aG1JenpDa2RtVjhTdnZEQXgtZFBTMzlGQzYzTWVDZHFuZmNrZ1kwLXpJVF8tREM2TExxeFA5QmdSYzdUTExSZmhuUjV3WHVwNGJYTG02cEhEQko5SUZO?oc=5) · WGXA

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1410 (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/2.json (key "1410", 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=1410
- 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