# JUNIOR COLLEGE
Perkinston, MS · NCUA charter 18989 · asset band <$50M · latest filing 2018-09 · stopped filing after 2018-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/junior-college-18989

Who the members are: federal charter, educational (single sponsor), organized 1968, low-income designated. 642 members of 700 potential (91.7% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 25.

**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 | $1.6M |
| Members | 642 (1.9% YoY) |
| Full-time staff | 0 |
| Net worth | $300,334 |
| Net worth ratio | 18.4% (p78 of band) |
| ROA (annualized) | -0.97% (p7 of band) |
| Total delinquency | 0.87% (p53 of band) |
| Net charge-offs (annualized) | 3.19% (p97 of band) |
| Loans / shares | 35% (p15 of band) |
| Cash / assets | 2.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.15% (p47 of band) |
| Operating expense / assets | 3.59% (p56 of band) |
| Vehicles % of loans | 66% (p69 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 2.37% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 30% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,056 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 25% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $2,803 |
| Loans granted, annualized | $298,479 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, auto monoline |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 4 | losing money, charge-offs p90 |  |
| 2016-12 | 3 |  | auto monoline |
| 2017-03 | 4 | net worth falling, assets shrinking | charge-offs p90 |
| 2017-06 | 4 | auto monoline | net worth falling |
| 2017-09 | 2 |  | assets shrinking, auto monoline |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | charge-offs p90, loan book shrinking |  |
| 2018-06 | 5 | assets shrinking, auto monoline | delinquency 2x band |
| 2018-09 | 3 |  | loan book shrinking, assets shrinking |

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

- 2025-12-07 [No. 1 Hutchinson CC shuts out No. 4 NW Mississippi 27-0, returns to NJCAA title game - kake.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPdkNzekZPWWtKbmVYUWVCZGxMNzAxc2xCN09IQ0VPa1J3WUI3MlJpd0dfMVk4cnZWTGQ4aUoxZ2ZCWFhnSDRINEl4cHlTWE84WGd3bU9oUGxCTlB4S2hrMjk5Tl80Y0FJMVlhRXpiMU5tcjRGYkw2Ny11LUJ3M1c4V3dWWWxBVl81TDJ6OWpIOTBGZ0hBUFhPX0ZFZTE4UTZHTWpjcTVGNDgtbXhlTTdnX3VXSDNvbW9pcDJyQVVHWVo5cUFyWUdNVzJZR1NyUU1JVjN3OHUzYjZMbHpSSXpZ?oc=5) · kake.com
- 2025-12-03 [Troy Football Adds 33 on National Signing Day - Troy University Athletics](https://news.google.com/rss/articles/CBMijAFBVV95cUxNZGxia2FUTElQaTdrRzl6V045aVIyY21uMFhZbkF4aXN0d2hzNm0wMXNqVVZwVVkySG5CM2ZaNFo1aDJIYnRyREpYaWxxTm5HYjEtRHVNX2F3eVA5YXY1Y1Q1Ym9XZE14S0x0RGxmcUc3V2hodjlhRGdIQzdDeHFYWU9mOGI2UzhwSWszbg?oc=5) · Troy University Athletics
- 2025-12-13 [David Adams, Jr. Obituary (1938 - 2025) - Detroit, MI - MLive.com - MLive.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQbVJqTVVmSFVPSjdIeVktd1dVTkN2VmRtVjR1b0k0Nnp6blFUQTFGNkt3blBOd1BKS0MzeW5tcF8xRDdJOFVCaU5NVlpDUjNTLVczbUZYR2xmdEVkSWo2WGxUdTNtUVRDa3BHZU1FSEpnZ1dtYmhFb202WkhjYjRTRG9hNDdRSW1tR2ZjOHdiYWlnNURxb3Ezd2YzS1lqQQ?oc=5) · MLive.com
- 2026-01-23 [Steve L. Earnest | Obituaries - Laurel Leader-Call](https://news.google.com/rss/articles/CBMipwFBVV95cUxQZmpjQVRCQ1Q5QkhXOTFLNkM2dzI3Y25BQ3JqamVFbWFlNG1pM2EyUmNQV0ZGMXpkbjJ6TFJHeFhSZXFSQjJ3bnFDVGI2Q1BYU1hEVFNjdTJ1ck13QVYzaWx3b3ljbllDQkNsUnZqeXRKQ1l1V2dtdG9BYzdOdG5GRnVkVmdQemhseWMyZEdfQ2Q1SFl5UU1RY0pGREEyWktqTHZ0eC1WZw?oc=5) · Laurel Leader-Call
- 2024-10-29 [Association to Honor Six Graduates During Reunion - SUNY Cortland](https://news.google.com/rss/articles/CBMihwFBVV95cUxPdVZkMU5iaHY5Ukk2UzRkdTVkajFpTmlYWE1xZ09oMDlFZ3VoNjViMk8wZFlHS0pjb0NLVVNFOUJ2bS1UQUhTa0NReV9MT0xJRzJEZk1BTWJzMkIwREwwdzk1aHgxTEFCa3NsNV9rdFAtYkRQT2FXSnl2WWVVWVMxcWJLclhocmc?oc=5) · SUNY Cortland
- 2013-09-11 [Sheila Ann Baptiste Obituary Sep 11, 2013 - Dyer-Lake Funeral Home and Cremation Services](https://news.google.com/rss/articles/CBMicEFVX3lxTE9xY2FqQTY5RjVQUGJkQzdXb05BRnRDUUhVbDljbC1yVzBZVjUtMlRHSzZDdnZSX01JMUR3b2tHRVQ0UlNwaUpIVlFxUnY0cnItZS1vMGtBNDViTGFEZTdxa2dFM0NpQnRmbFZZOU1RTGw?oc=5) · Dyer-Lake Funeral Home and Cremation Services
- 2024-02-06 [Patricia Anderson - Fox & Weeks](https://news.google.com/rss/articles/CBMibEFVX3lxTE1VdGhyMGdJQzFkMjFyQ1JYRjJiWU5mSjlfYXg2M0s3SlhreVl5cXo3NUlKbFBoNm9HQnpwc2psVTNjd092NldnM3V1T0dzT2dvc3ItM1FhMnJBYWNLYmxsSmE4elpaTGZ2dHpzeg?oc=5) · Fox &amp; Weeks
- 2023-07-04 [Roger Benson Obituary Dec 27, 2014 - Meyer Brothers Funeral Homes](https://news.google.com/rss/articles/CBMiYEFVX3lxTE15SFhXbmFUc2I2bE1qNm9lTFZWSDRLZW5uR2dXMnpTWkxFZ2hlZE9oTi1MM2tmNXVYdnVZWC12VGMyZUpmSkJ0dnZNSmIwcEVoZmxvdXdwMEtHa0oyQTdaQQ?oc=5) · Meyer Brothers Funeral Homes

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18989 (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/45.json (key "18989", 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=18989
- 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