# FERGUSON
Monticello, MS · NCUA charter 18515 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ferguson-18515

Who the members are: federal charter, multiple common bond, organized 1968, low-income designated. 10,064 members of 249,241 potential (4.0% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $96.2M |
| Members | 10,064 (-3.2% YoY) |
| Full-time staff | 49 |
| Net worth | $9.3M |
| Net worth ratio | 9.7% (p17 of band) |
| ROA (annualized) | 0.29% (p27 of band) |
| Total delinquency | 2.57% (p97 of band) |
| Net charge-offs (annualized) | 1.12% (p90 of band) |
| Loans / shares | 77% (p79 of band) |
| Cash / assets | 21.0% |
| Borrowings / assets | 0.38% |
| Net interest margin | 4.65% (p91 of band) |
| Operating expense / assets | 6.19% (p96 of band) |
| Vehicles % of loans | 29% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 3.23% (p96 of band) |
| Vehicle NCO | 2.02% (p94 of band) |
| Repossessed % of vehicle book | 0.21% (p90 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 82% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 39% |
| Average share balance | $4,510 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.1M |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $17,635 |
| Loans granted, annualized | $22.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.1M outstanding purchased (22.6% of net worth), $3.4M sold and retained. Sold in 4 and bought in 0 of the last 8 quarters. Shares 1.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | repo signal |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 4 | net worth falling |  |
| 2017-09 | 4 | charge-offs p90 | delinquency rising |
| 2017-12 | 3 |  | charge-offs p90 |
| 2018-03 | 5 | expense trap, charge-offs p90 |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 6 | losing money |  |
| 2019-03 | 4 |  | expense trap, losing money |
| 2019-06 | 4 | losing money | net worth falling |
| 2019-09 | 6 | expense trap, delinquency rising |  |
| 2019-12 | 6 | net worth falling | delinquency rising |
| 2020-03 | 8 | margin squeeze, delinquency rising, assets shrinking | repo signal |
| 2020-06 | 6 |  | delinquency rising, assets shrinking |
| 2020-09 | 6 |  |  |
| 2020-12 | 6 | repo signal | net worth falling |
| 2021-03 | 5 |  | losing money |
| 2021-06 | 3 |  | margin squeeze, repo signal |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | repo signal |  |
| 2022-03 | 3 |  | repo signal |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | delinquency rising |  |
| 2022-12 | 5 | repo signal, assets shrinking | delinquency rising |
| 2023-03 | 4 | losing money | charge-offs p90, repo signal |
| 2023-06 | 3 |  | assets shrinking |
| 2023-09 | 5 | delinquency rising, assets shrinking |  |
| 2023-12 | 5 | margin squeeze | assets shrinking |
| 2024-03 | 4 | repo signal | delinquency rising, margin squeeze |
| 2024-06 | 5 | net worth falling, charge-offs p90 | repo signal |
| 2024-09 | 5 |  |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 | delinquency rising, repo signal | expense trap, net worth falling |
| 2025-06 | 5 | expense trap | delinquency rising |
| 2025-09 | 5 |  |  |
| 2025-12 | 5 | assets shrinking | charge-offs p90 |
| 2026-03 | 5 | net worth falling, charge-offs p90, members leaving | losing money, repo signal, assets shrinking |

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

- 2026-03-30 [Courthouse Records: Civil cases, marriages, and deed transactions through March 26, 2026 - The Natchez Democrat](https://news.google.com/rss/articles/CBMizgFBVV95cUxPVGlMZWlZUUMycWlKNXdwQ0dHdTE3a2VyTUhzcUtOaEo0S3FWZ2JaTGNVaUJKMlFPSkNkUjJBeHJwMFlmS3h1eGRQTk1UQ2xxaWhDZFhkVG1jUlY5VkpERkpYUU84UmRCS2tERHBHckd6bWVXNWNvWnUxTlVyZ2JJN2x3LUVRcElCUmxRUGxNZWZCYUkwQ3pVWWp0T1BoZkFrRjdiUzdIN2pKbTNnTW9nTjM0el9GNFQ1dzBhU2JNZGRWSkdJaFBILWIzak1yZw?oc=5) · The Natchez Democrat
- 2025-08-02 [Sean McVay & Tyler Higbee talk about Aaron Donald's presence at camp, Konata Mumpfield's progress & mentoring Terrance Ferguson - Rams](https://news.google.com/rss/articles/CBMitwFBVV95cUxOaEs5T0pYYXBiSjR5TXExNm1RcXRpel9vcXNJbXNmanF0bnpiZGtyTWNseWRDS2FQRkNuSGpmOXJEME1KNFVjUnIydGJGN01oUjNvMndRMnZ5SVlpMGN5NEVoNFpISm5DVVhHZDctb1VobFJnRkJ5d3dqeTdyVV8welNwTjhjT0V5V2NyYmowYVNQdkFpQWtJTzVyM0Q4MlV4Y3BWNXZqMnhnUjFSbXhSQmJlTEoxdmM?oc=5) · Rams
- 2024-05-28 [Elizabeth Ann Ferguson Obituary May 28, 2024 - Sunset Funeral Homes - El Paso, TX](https://news.google.com/rss/articles/CBMickFVX3lxTE1rTkZiTFBSRjdncmVQOFV0VlUxdFI4bEZwMF95Q2o1VTZMVnlMOGtKMUhQRkhLTy1XTUtWak9XUm9MMlczeUdwcU1iQXRXUEtKSVNOakFhR2FVeTdQNjBza0x6YjZWSUY3N19NR1JScWt0UQ?oc=5) · Sunset Funeral Homes - El Paso, TX
- 2022-01-04 [Kenoshans of the Year: Josh and Charrie Ferguson - Kenosha.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQa2R6bnVVOVNkMHNKM1VKclY0aE1vZnBodEFwT1FibjJyZkRPVW1JRGNtWk91Z2lFNDAtMm9LbENCc3dSWUprOHBaRnhzWmpHSUNjSG5QcmRyX0lxSnBlOXJIcXB4Mk9vOTA0ZG4zSGJGRTJ1a3lsNHpnUFQ1S28zTldCbHo?oc=5) · Kenosha.com
- 2024-10-22 [Former School Board Member, Steve Ferguson, Joins Endorsement Coalition for Annie Markarian’s School Board Campaign - MyBurbank.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPdmNTMWFxaW8xN21teXV1WHU5NDR6aU1feEd6b1JCYXR3YmVGMXZIZ1JZejB1RlYxRjFYQU12cDBCQXhYdWYwUU1RcXM4Qk1PUlNKbDZhX0pWX3c5WEdUN1N1UG92NENRX3N4Z3hCUldSOUtKWVp1NFpscDF3YjFxLWdQdlM1V0lpXzJPUkZubDhIVk84S3dpeE9YVnpoY3o4R3dyNjF3ajNNb0ZsWm5zV2hPVW1EQWVkV2E2d0lSMVhUOGRXOV8yQW00ajMxVzgz?oc=5) · MyBurbank.com
- 2003-07-17 [Obituaries - The Washington Post](https://news.google.com/rss/articles/CBMipwFBVV95cUxPN1h6RnBJNUlRTV9vVzNGYW9scU1HVjJGSzZJR1dKSVp2VTJ5a2xoS04ycng3V0NMTHN5bnZGTExuN3NlU0lsUWhBUzIzZ2JkUHAwMUtkck9zQmd3dlhZeE9FTFZxbWF6OFFUcnJnejM5cWpfZjduVmh4TjIta1dMN3AwLUhpaWZQSklCTGZMSlJma0RQOTByOGJZYTV4S2lTRHNmM0d1cw?oc=5) · The Washington Post
- 2011-07-21 [Neighbors - Worcester Telegram](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNYmNUckxxUWJRU3YtV2NxTFVzRnphekNkMmozWVBaRUpFYjZxdnM4YWx6NTdHZW9rMVdYdmZ0Y2pmYl96OWlnNW9EYTdGTXJSVFA4ZHVualg1R0hBVXdoVlVlVEp6N1ZUM3RVeGdwdl9WLTJfUWM3SmIwVWduSm40ZVdJdXVhRGJy?oc=5) · Worcester Telegram
- 2017-07-28 [Obituary for ENID LOIS GIBSON - Tribune242](https://news.google.com/rss/articles/CBMib0FVX3lxTE94MGVPWjB3bnZQM1JyaHFzdEwyV0dPMjBiZy1hcE9IUDZlaGkwcld3NW9meWNuTE0tUERYckt6WU80c1Q3WG1fLUpyVndRLV9vT09iMWpRdXZoTkl6NnRXdE5Eb3ZSa0FlMEY5eTV6Zw?oc=5) · Tribune242

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18515 (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/19.json (key "18515", 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=18515
- 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