# 1ST MISSISSIPPI
Meridian, MS · NCUA charter 21073 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/1st-mississippi-21073

Who the members are: federal charter, community charter, organized 1972, low-income designated. 10,630 members of 86,175 potential (12.3% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 51.

**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 | $81.9M |
| Members | 10,630 (8.5% YoY) |
| Full-time staff | 35 |
| Net worth | $23.4M |
| Net worth ratio | 28.6% (p99 of band) |
| ROA (annualized) | 0.55% (p42 of band) |
| Total delinquency | 1.04% (p73 of band) |
| Net charge-offs (annualized) | 1.24% (p92 of band) |
| Loans / shares | 89% (p94 of band) |
| Cash / assets | 24.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.20% (p97 of band) |
| Operating expense / assets | 7.23% (p99 of band) |
| Vehicles % of loans | 63% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.03% (p70 of band) |
| Vehicle NCO | 0.99% (p81 of band) |
| Repossessed % of vehicle book | 0.25% (p93 of band) |
| Real estate % of loans | 17% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 7% |
| Average share balance | $2,541 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $989,901 |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $9,225 |
| Loans granted, annualized | $19.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $989,901 outstanding purchased (4.2% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 0.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 2 | delinquency 2x band |  |
| 2017-09 | 1 |  | delinquency 2x band |
| 2017-12 | 2 | delinquency 2x band |  |
| 2018-03 | 0 |  | delinquency rising, delinquency 2x band |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | charge-offs p90 |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency 2x band, delinquency rising | charge-offs p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | members leaving |  |
| 2020-03 | 2 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 1 | delinquency 2x band | members leaving, charge-offs p90, net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, margin squeeze, charge-offs p90 | delinquency 2x band |
| 2021-06 | 0 |  | net worth falling, margin squeeze, charge-offs p90 |
| 2021-09 | 1 | repo signal |  |
| 2021-12 | 1 | delinquency 2x band | repo signal |
| 2022-03 | 3 | net worth falling, charge-offs p90 |  |
| 2022-06 | 2 | delinquency rising | delinquency 2x band, net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 5 | expense trap, repo signal, members leaving, auto monoline |  |
| 2023-06 | 4 |  | expense trap |
| 2023-09 | 6 | expense trap, delinquency 2x band, delinquency rising | members leaving |
| 2023-12 | 6 | net worth falling | delinquency rising |
| 2024-03 | 4 |  | delinquency 2x band, net worth falling |
| 2024-06 | 5 | delinquency 2x band, delinquency rising | repo signal |
| 2024-09 | 6 | repo signal, members leaving | delinquency rising |
| 2024-12 | 5 |  | repo signal |
| 2025-03 | 6 | net worth falling, repo signal | delinquency 2x band |
| 2025-06 | 6 | delinquency 2x band | net worth falling |
| 2025-09 | 5 | loans>95% of shares | members leaving, delinquency 2x band |
| 2025-12 | 4 |  | loans>95% of shares |
| 2026-03 | 4 | net worth falling | repo signal |

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

- 2026-07-31 [1st Mississippi Federal Credit Union July 16 - WTOK](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPdFdXRnJQVGl5dndnMEljTEJiWXZTdjROMUtoamdRdldmT1JIcWhXbTkwdzhUbkFpZWI1MGxCMzF2Vk11TVV2TUhJblFCeVRpLW94SVhjWTYxWVRtMnRMdndabmRNTFlTOUlGbVpPU3RPVjZydUdhMGtPRU8zSHM0eGpONWtRcmpmUXpV?oc=5) · WTOK
- 2026-09-08 [54 Credit Union Leaders Earn CUDE Designation - cutoday.info](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZVpnbEstUFVkSDRERlRkaWlLX240b3pWSm1DMTN4VW83REFRZzFMU2w5eDcxSGVhRVdnSlk1c3pMcmJtWk5OeUVvb0tLMWVoT3FRNElON1pPM21aZGR0eEI0SWhUY0wtN0lSSDFsSmJBcDQxenBmZFJSbzhNT2tmTFdZTXphWUZtN0E?oc=5) · cutoday.info
- 2026-05-11 [Meridian Public School District recognizes 2026 Partners of the Year - Meridian Star](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQRjhRVWZreWxTQm1IQTg0VTZROHVWLWE2S3JTZERFa1dsNS1yUXJVX3hiV0M5dVRpem1IQllIbUkzeEVzRkY2WkthTW10Snl4UmhCY1BRVjZyeTgyUHhXT1hlWk9SSUlvRVBTd0pneTUxU1lJYVNrcGlUSDUzdHB6NFdndmJTZEtUS0ZTUGVNNGd6VkxaOHd0YzNQeHRveWdmd1VhS3A5Tkw?oc=5) · Meridian Star
- 2026-02-12 [Meridian to kick off Blue Angels Weekend with "Jet Jam" concert - twinstates.news](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQdWQ2R1AtTnhZazJJbzRNRWt2RkFjVFZMUzQzVG1ZS2Q2NWVOQW9CQnU2UUFjaGhKX2l0NTNaYUtxUUtNSTVhOEUxdmlPQUNPUGJVWklXc2xOOHg3Mm1tVWFiTFREY1JrRmdld1JmY08zeWl1ZlAzTHA3MF90ejZPZklsVzM4SG1EMUVSdHJiY0JsWUZRbkJrODQwZFh2MlRiMDRWNERxbWExU1JSNUNkNnBzYzZTVll5bXV2QzFrWlYyV1gwOFd5V3oyMU9pNzRJcllyc1ZjSHVRMXRmWmFlelNTbnU?oc=5) · twinstates.news
- 2024-06-25 [Credit Unions celebrate 90 years of continued service - WTOK](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQV3hWQ3VES1VKZW9UV0hydEYtMXlueW5LTTlCTGlobjhseVJkZlR1dExYaXhsQWozSXNLZ19KbGxvbTJoYW15UjlYQUxNS04xek9CN2F1cjMwZHF6ZUZRNEdJMFN5WEM4SDZNRkJTRWtSajY3cWFCUGVHa1p5LXhOelJGTWgwTFBEdDdj0gGfAUFVX3lxTE55RF9IZmt5WkJXTWlBRnNNdUd3M21fWS1fOUEyZGdyWENFOVd4Rmg5ZXBtM05RcFBfZVJra0tteFEycGExZ1ZWVDl3aF9CWVFKWHMwc0kyN2pWajFjVWtwLWZ0TFZBTlFOdm9ZbWI0LThpY1JjU2N6QkdWWW1CTHdTUFZScmtTTndNZlROd0c5YS1WTFFHYVhBY0Y1djdWOA?oc=5) · WTOK
- 2023-09-06 [The Carter Foundation receives grant from 1st Mississippi FCU - WTOK](https://news.google.com/rss/articles/CBMijgFBVV95cUxNMjdYMV8yVFNZazN5YmxNMGEyQ3h3X0ZtZ2hTd2l5cTNGWG9iYVZCMzZCSnkyaTdQQmNFX2hDM0dXY1lGVlIyUk1FcUd4dXdUSkxhMmIwWXVPNkFLcEdZSDgxQUlUamdWVGY4UElCVGlhRnR1X0ljSThMczJKdGRUSXQ4SEdsYnBMeGNQdTNn0gGiAUFVX3lxTE1ad1AtRDFHTGVmQTJrUl9Bb29MQXVBbFZrTU9faThCenNVN043dFNtdmV6eGhLVXJmXy1OVVZzX01Bbk1CdTVpZDBYM1g0UTRyNlhKWFBNdG5OVThxbmF3Y2xrLUhlWk1ocnRWVmlKcFZiSE8wLXdnX194enFhVDU2Y08tYXRZNzBWbHBNNzFfeUM2RkJWdmJsX0dGSllpcWVEQQ?oc=5) · WTOK
- 2022-06-03 [Shier named Golden Apple Teacher of the Year - Meridian Star](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQQW03alg1TnljV0VUSmZYTGFtWTBSMXhIaTQ0SnhhcjJmUGw3NU9MaUgyd21YMC1ub210TTM4eDVqeDFqV0pUOGE4WVlFaFFzcHpQb281UDZkU0FyNjF2RkhLS3YwTjJlVWNVQjZjRkoweW1yUWtlekxEc3J3bE1wNjl0eWk2MjEw?oc=5) · Meridian Star
- 2026-02-05 [City of Meridian gears up for Pet Mayor campaign - WTOK](https://news.google.com/rss/articles/CBMif0FVX3lxTFBXc1YxXzVvU2ZEVTZxNHdNTWtUMUZxRXRGNnN2M1NaUTFhMjE0dG44UnJIWVhNS09OZGl4ZkY3NVptcElaRUo0eFJMOTBPajRUOUdxb2wzSjVsZUNsdUFYZlliemlIMlNPVG50ZWV6X3c4VVVWam5oMEtsa1lLblHSAZMBQVVfeXFMTW9rTlI5OWtlbjh6UWswMkdyREtscW1GSXVBWDRhb2hDTmVsUW1TZk1XUVQzZ25PY0tqUWJDZG9YZmlRRUZEeWlZd3RFVzdBYWV1MHZMb2NBTTl1Y0FIczBDZUFGalhvVDZBYzEzNi05eG5nV053ZVlNejVLbFZ4bmFLaHozVEUtQW9ULVA0WDJoT3Vj?oc=5) · WTOK

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21073 (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/17.json (key "21073", 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=21073
- 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