# MEMORIAL
GULFPORT, MS · NCUA charter 14824 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/memorial-14824

Who the members are: federal charter, service (single sponsor), organized 1962, low-income designated. 1,118 members of 2,600 potential (43.0% of the field); checking penetration 1% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.9M |
| Members | 1,118 (-6.5% YoY) |
| Full-time staff | 3 |
| Net worth | $2.3M |
| Net worth ratio | 37.9% (p97 of band) |
| ROA (annualized) | 0.17% (p31 of band) |
| Total delinquency | 0.43% (p41 of band) |
| Net charge-offs (annualized) | 0.87% (p84 of band) |
| Loans / shares | 55% (p47 of band) |
| Cash / assets | 65.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.66% (p79 of band) |
| Operating expense / assets | 4.30% (p66 of band) |
| Vehicles % of loans | 67% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 21% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 87% |
| Certificates % of member funds | 2% |
| Average share balance | $2,750 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 29% |
| Average loan balance | $5,118 |
| Loans granted, annualized | $800,780 |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 2 | net worth falling | delinquency 2x band |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2017-06 | 1 |  | delinquency 2x band, delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 4 | net worth falling, delinquency rising, members leaving |  |
| 2018-09 | 4 | charge-offs p90, assets shrinking | net worth falling, members leaving |
| 2018-12 | 3 |  | delinquency rising |
| 2019-03 | 2 |  | charge-offs p90 |
| 2019-06 | 3 | margin squeeze |  |
| 2019-09 | 1 |  | assets shrinking, margin squeeze |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 2 | net worth falling |  |
| 2020-12 | 6 | losing money, margin squeeze, delinquency rising, loan book shrinking |  |
| 2021-03 | 6 | charge-offs p90 | delinquency rising |
| 2021-06 | 4 |  | loan book shrinking, charge-offs p90 |
| 2021-09 | 6 | delinquency 2x band, delinquency rising |  |
| 2021-12 | 4 | members leaving | net worth falling, delinquency 2x band, delinquency rising |
| 2022-03 | 2 |  | losing money, margin squeeze |
| 2022-06 | 3 | assets shrinking |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 5 | delinquency 2x band, delinquency rising |  |
| 2023-06 | 5 | loan book shrinking | delinquency 2x band |
| 2023-09 | 6 | delinquency 2x band |  |
| 2023-12 | 6 |  |  |
| 2024-03 | 6 |  |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 4 |  | delinquency rising, delinquency 2x band |
| 2024-12 | 5 | delinquency 2x band |  |
| 2025-03 | 6 | charge-offs p90 |  |
| 2025-06 | 3 |  | loan book shrinking, delinquency 2x band, charge-offs p90 |
| 2025-09 | 2 |  | assets shrinking |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-06-18 [Mike Burchett Memorial Golf Scramble for brain cancer research tees off in July - 1011now.com](https://news.google.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?oc=5) · 1011now.com
- 2026-07-04 [Nancy Barry Obituary - Chatham, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5BRFFlWWF2bllLdEdRZTdfY2pYeWN0Tm96NmR2TFhlbXNUUjJVblA5b3Y4d0tyVWt1a1pQaGtKdjVHZUxSWEZDaklYN1NYUzFlMkNKWVpKTnVJTXBncUpHYmdDVTRaS2ZkOWlxekpCVnY1YmtwbjZfNDAwT2k0b3M?oc=5) · Dignity Memorial
- 2023-08-18 [Feel Good Story: KPRC 2 and Shell Federal Credit Union Honor TMHS Teacher Canita Lee during Surprise Classroom Visit - Tomball ISD](https://news.google.com/rss/articles/CBMi2AJBVV95cUxNOFhRT2VPOFhzQ2JIVUltVFBlVWVpdUpxNXZUdGJQSXZyOFRZaEZqX1p4Y3Z6cnZ5UUw5QUtxSFVfdFdoOGprZHZjX1dxSW1NbU14UVFYNFZ6STlFdWtzSWl1VS1GcFRmTUJKblVMWlRtVFVSRHNnam5sdXdmV2tZWnJ2eHpDSE5jaVMxOUV5cldzcFREQTFfOWY4MWJwWHJFQ2ZacjF1Y21uLWk0NTVWTnpvbGd1c0dKWjZDSkliWGh6cUhHRTZnaDZXLXlVclVVQm51LWhGYlFic3ZJa3pqdllYZVVBelpDT29pUmlsaWNMLTItc2J4LS1uQ0hnVElPcWQ1dXNGbjN2Qms4Mkx6ZHY3WmdSZl9MSktHb01aQlRTNmpfdTFNMEd6ZmdhaEpRSXBrbEZlWGROSGh5cHNXOVNNbElfREpYS0pCNGc0NHlqQ19rRXRYNw?oc=5) · Tomball ISD
- 2025-12-09 [Adam Lee Loper Obituary (2025) - Mobile, AL - Mobile Memorial Gardens Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE42dS1rTl9Ka2hpc1BCVGd2Tnh6ZC1URTVKemlXTjFjWU5VQlNMMlhRTW5qQ2dGQW5taWlBOGRDMmo1VWh4bEloN3RrRVBON1A4MlgzR3ctcElmR1h5ZHFwOGVLQ2lvR2xlX2xLdWZHLWFDM1BjN0lLd0lJOWFPUQ?oc=5) · legacy.com
- 2025-07-31 [Credit union for Grady hospital employees to merge with Mississippi institution - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxPVzJqYVRJanJTZ0RsRUV1aTk3eTZSWUlnWUFyN1N5WG5OM1VsajZ2QUoyRHV2Tm1MOGd3d2VVQWVtd3E5bG8wQkxUdWlsMWtpVExXYWJYTWNWUzlDN0dFOHZuTHBzRTlCVWNoa19GVmlnd3ZEZW9FSnd5YUFBVlpQbXVQWHFsZmRPZEtBUV83bXk?oc=5) · The Business Journals
- 2022-08-26 [News 12 and Bethpage Federal Credit Union reveal the recipients of the Bob Wolff Memorial Scholarships - News12 | Bronx](https://news.google.com/rss/articles/CBMixgFBVV95cUxNQ1hVVTFVM1lWZ0lCQnNHd3BLd0diU3JOZEF0ZUFMSXdvczI1Q2ZLMG9uU2FqbllqazV2eHhpbXdYcjMybkpkc3Y2ZVdoN1lMY2p2WlhTb3BfMVE0azlmVC1uY0doTi01TWdtVFFNU3dfRWlYd3lsMk9XcF9sd1pFVm5heG1yNXZkeWw4VlhkNVJyclc3WEJRck5LWmQzMlVGandGeWtJQV9RMmNxYUhwekxILTFZZkxCN2VUQXNmemZudERuQUE?oc=5) · News12 | Bronx
- 2025-09-10 [Spokane Arena being renamed, new partnership with Numerica Credit Union - kxly.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQb3VOV0NtcTB6b2JVM2J2TFd2NGRXWFAwVk9XaXFZNTN2ZWk1NmtiQlYzUEczTDhQaUhoN1hPUkQxZWU3OXdTWmdtcFRyQk9DdW5KTmd2blRHWXlsYURQNlhJOWNVOFRJeGhNbTY4T1psdTVUNWhsdWZKZTh4Y205RUFFOXYtcDExYUhSNTZYdGRQSU11ek5oMXpjNlNiN0RRemlTM0R2NV9xQTA0WTVxdUQ2X3YweFJmbV95QXAycmNURERLTS03ZzE3VUxfVHpFcDhIWk1QZGFPWEpZbk9F?oc=5) · kxly.com
- 2022-08-30 [Obituary information for Ms. Joyce Ann Fulkerson - Barkes, Weaver & Glick Funeral Homes and Crematory](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOSEpsV0NnbWNjbGtaclhOUHBFUGN2QjUzekFQTDlUYklUVmdfZTlwU1hoMlh0WVdyWTRRUnNTMW5tYzZmYWUtUmJtQ2RTbmFmaXFqUEp4am9pZ1JqejM2dFkzM3pKZnFhS1NlM1UydFlDSDQ2WGtlTDVZR1Y2aGVpZEV6SmdjdWcy?oc=5) · Barkes, Weaver &amp; Glick Funeral Homes and Crematory

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14824 (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/40.json (key "14824", 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=14824
- 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