# SOUTHERN COASTAL
BILOXI, MS · NCUA charter 24885 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/southern-coastal-24885

Who the members are: federal charter, multiple common bond, organized 1973, low-income designated. 1,607 members of 2,500 potential (64.3% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 70.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $13.6M |
| Members | 1,607 (3.0% YoY) |
| Full-time staff | 6 |
| Net worth | $2.5M |
| Net worth ratio | 18.4% (p68 of band) |
| ROA (annualized) | 0.57% (p50 of band) |
| Total delinquency | 0.47% (p43 of band) |
| Net charge-offs (annualized) | 0.28% (p68 of band) |
| Loans / shares | 87% (p89 of band) |
| Cash / assets | 20.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.18% (p89 of band) |
| Operating expense / assets | 5.95% (p89 of band) |
| Vehicles % of loans | 70% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.62% (p55 of band) |
| Vehicle NCO | 0.16% (p74 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 29% |
| Average share balance | $3,758 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 70% |
| Loans granted per 100 members, annualized | 42% |
| Average loan balance | $8,524 |
| Loans granted, annualized | $5.3M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2020-05-29 [John Michael McDonnell, Sr. Obituary May 29, 2020 - Bradford O'Keefe Funeral Homes](https://news.google.com/rss/articles/CBMidkFVX3lxTE5zWDFYTWg2ckE2RmNSdHVsQ1VmQkVLWnJaYkg5ME1PYVEwNHg2ZnFrR2VCVk9xbTJFd1JYcUZHeDk1Q19OSEdtRG9VQlhUdW0yaFczWTlTRW00X3l6ZGNJLUlYWnk2akFNRjR5VnJHbHBsUXY2UEE?oc=5) · Bradford O'Keefe Funeral Homes
- 2026-01-21 [The Best Savings Accounts in Mississippi for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMifEFVX3lxTFBCdURET3g3RVNOU21iVGJFa3ZuNS1XQlJCbGlpSkRva0FWUW04N2lUVm5FTmY4NEk2Ui02dXFuQ1hBR2hla09PVl95WjNLTS0yN3B5VFpROHFMOVBjVXo1R05fUkJEREdKZFg2QnI0N2xjV240OGM4MjZKU3Q?oc=5) · MoneyRates
- 2019-05-07 [Vigil held for fallen Biloxi officer - mynbc15.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE1iSGwyZnFDUURESFBlRnVlY2VYd1VOeUhNWHhtSzZRZ1JsUmp4UVozOXhLb1I4TW5sWDAwUExnTEhmZnBQX1lZbUwwcmpFUGR2a0tFemp0Z3lkVjhuQTEwNXFqRHZXYUd5SHZGMnVzXzQzbURMbkE?oc=5) · mynbc15.com
- 2019-05-06 [BEWARE: Biloxi officer’s death brings out scammers - WLOX](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNVDdtbWdFS2JzaTRObzl6MTFXdl96c0VINGEyVnJDV1FxQUFGemRLVVF6bHhCV0M4U1VnVkNqNW9yOGFZcWQ3eThFTFFxXzJpZks5ZWY1bWY0YzUyWm9NRjc1V1VtcWFJdEtXaXhnQnZZQTAzb3RGMlpIUTFrSnZVR0cyRXR4ZTJo0gGcAUFVX3lxTE5IQS1OenY0cV9nQTV5ekt0VGlHa2RTb2RPNlpyQU9SclI5elZ5NEJXUm8wbVQwTk0zYmlkMkUwb0hmLWR1cXJQSHV3OXZzc1hkaENOa3Z6XzljaE9VZnlMMmh0ZElUeFRSNHg5dDBvQk05REZLOUdDLU5GeVlsSzBKckJ0aV9PdmpydkFXbnpVVVo0UTdMaW4zT2dqMw?oc=5) · WLOX
- 2019-05-06 [‘Gentle’ officer, Katrina hero, family man: This is fallen Biloxi cop Robert McKeithen - Sun Herald](https://news.google.com/rss/articles/CBMickFVX3lxTE1TLUNtckFCRWNUbGVlX2U4WWxwS2JwYmpZSEw5VmVRdlg4bXVqaVV0LWhWdmlrc1RJUFNEd0VmLU11YnEzZk5qeVR1YV9DYl82MG9HOVUtQXY3ZHJsdXBKVjdPUVZ4SGVpUHpsMDF2cHdTd9IBckFVX3lxTFBUVVNVM2JlWF9ab1Z4SzM0SGhVWkNIbmN6dE1kOGlxbUEwZkZqYzZhWTFiSHhNLXhTTVVBYk1wNEJrSnExaUJPdzBySGdwZVJ5NW40c2xnaENZcjZRSS1KTG9xNlNJUHZxWGdoRGFjMzdxQQ?oc=5) · Sun Herald
- 2025-06-04 [In Puerto Rico, a Struggle for Power Comes to Light (Published 2025) - The New York Times](https://news.google.com/rss/articles/CBMifEFVX3lxTE9held5M0xRWGVvUVhDYlcwS0c2ZXhCVkxzRVhyRURNRUpSc2ZzcXkwZExtRG9fR3R2TEJlQThGUTRKRkg4ZW1vUUduRkFvRHZhZjJoMXZFZjBzcXNyZU9QeHUwaUdpRkRUSHJyUlJCSDY0UE5xcm9YeFdLWWo?oc=5) · The New York Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24885 (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/53.json (key "24885", 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=24885
- 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