# COMMUNITY PARTNERS
NEWTON, MS · NCUA charter 24905 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-partners-24905

Who the members are: federal charter, community charter, organized 1971, low-income designated, minority depository institution. 2,139 members of 3,000 potential (71.3% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *too clean*. 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 | $5.2M |
| Members | 2,139 (3.8% YoY) |
| Full-time staff | 4 |
| Net worth | $492,537 |
| Net worth ratio | 9.4% (p13 of band) |
| ROA (annualized) | -0.74% (p12 of band) |
| Total delinquency | 0.22% (p32 of band) |
| Net charge-offs (annualized) | 0.95% (p85 of band) |
| Loans / shares | 62% (p56 of band) |
| Cash / assets | 39.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 6.25% (p96 of band) |
| Operating expense / assets | 9.73% (p97 of band) |
| Vehicles % of loans | 74% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.17% (p39 of band) |
| Vehicle NCO | 0.54% (p81 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 10% |
| Average share balance | $1,392 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $4,521 |
| Loans granted, annualized | $1.6M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2018-09 | 2 | expense trap, auto monoline |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | losing money |  |
| 2019-09 | 3 | assets shrinking | losing money |
| 2019-12 | 4 | losing money |  |
| 2020-03 | 5 | delinquency rising |  |
| 2020-06 | 4 | net worth falling | assets shrinking, delinquency rising |
| 2020-09 | 5 | margin squeeze |  |
| 2020-12 | 5 | delinquency rising | net worth falling |
| 2021-03 | 4 |  | delinquency rising |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 6 | delinquency 2x band, delinquency rising, members leaving |  |
| 2021-12 | 4 |  | delinquency 2x band, delinquency rising |
| 2022-03 | 6 | charge-offs p90, assets shrinking |  |
| 2022-06 | 5 |  | members leaving |
| 2022-09 | 4 |  | assets shrinking |
| 2022-12 | 5 | delinquency rising |  |
| 2023-03 | 4 |  | charge-offs p90 |
| 2023-06 | 6 | repo signal, assets shrinking |  |
| 2023-09 | 6 | charge-offs p90 | repo signal |
| 2023-12 | 7 | net worth falling |  |
| 2024-03 | 3 |  | losing money, delinquency rising, assets shrinking, charge-offs p90 |
| 2024-06 | 3 | losing money | net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | losing money |
| 2025-03 | 4 | thin capital, losing money |  |
| 2025-06 | 3 |  | thin capital |
| 2025-09 | 4 | assets shrinking |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |

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

- 2026-04-22 [BCPS Celebrates Community Partners at 2026 Community Involvement Awards - Broward County Public Schools](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPWF9yb0QwWEpTTUhHcFlNTEN6NHhwN1lhVUI4MTZhNmlJaXRaU1VGalM0SU52d2Fhc1lqTDl0b3E2UFJLWXd6S08xMnhsTjJCdDYxUkxvVEF6VVVNOXlwSjhJdzRnN1JMaU4zNVlLcmEzTlA3LXdlTWRDSHJVMEs1eF9PQXNDREd1NWxFaW4yTnM1aXBaaEZTV2hUWVNNT1E1ZlZ4T2R6U2d2eldnY25tcEVDNmxkU1NId2piNE02ek9fd3RHdGhnV2lLaHh6YzVSdWd0NVR6bGpuSG5zUUFLbw?oc=5) · Broward County Public Schools
- 2026-02-05 [Building Equity and Opportunity in the Mississippi Delta - Enterprise Community Partners](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQb01tVWg3S2loaG9VaDdRRzVQd2lzWXRwRk8wNnd1M0w3c1ZNQmZsREowenU0ejdicFhnUGFETjdCRHBDa1c0TmtCeEUzMldxMGNlejN4bFJhVWFZeUF1aUJjTDBWdkRDc1ZadUtfWncyWDd1c3k3QkFpMjh1T0h0QXJSbExta0FTenpYaUQ0UjRVU1hJU3pIVlpqcjRLVkJZby1JdkQxV2hCZw?oc=5) · Enterprise Community Partners
- 2026-01-15 [Arizona Financial Foundation awards $300,000 in grants to local nonprofits - Arizona Digital Free Press](https://news.google.com/rss/articles/CBMirgFBVV95cUxNUVJNTGNka3hqR25aa3FHTXVBQ1kza3J6NVA3cnJfbXU5TGhqSWZueTJIU1BHR1U1WGM5WGJNQnBSM0t0cHlNRnNLUjI2ZzlFWnFsOXY1U2g2b3ZrdW5WODZYODhiOVEwek9OYlhwdkpILUlvSkUzbDBJUnczczRnRHZTNHpRQW5CbFlReTgyRzRyOG9lell1MDhiZWgxeUJVU19TMkF3MDlKY0o2T2c?oc=5) · Arizona Digital Free Press
- 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
- 2026-05-13 [Sixth Grade Teacher Cassie Sturgeon Receives May Classroom Hero Award - Ad Astra Radio](https://news.google.com/rss/articles/CBMisgFBVV95cUxQZXVrNTE5VmlHVnFjUHh4OUtpOUtKUzlXZDM5Z2U1Ym9qc1N1X1pvT0t5SmM3S0cwRkFvbzlkQl9KMGRGS1ljcTk2SV9hZlZsRnU3QWFoRkU4djFfVUlFdzdYSEctM0JQR3FfY1BfdTAxRDc1MzhGa3FuaDVyOGVyQVk0cHZQUzh6UGNfS2FZVUNkUDRQVHN0NnBKNWtGTkVHcXJXdHFyOWdBNWlfc2NDbHZR?oc=5) · Ad Astra Radio
- 2025-12-01 [Loudoun Credit Union Launches ‘Local Currency' on Loudoun Now Voice - loudounnow.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNejBBZ3JLVWhlSDJRRjM0bVA2NWhXd1NOUXFYMlhCNWlPUTBMOGI4dDVYT01zLUE0cllYdzZ0UTBDUHlldXlIMWNWdjE2Q0Q2OU9ZeEhQN0c3bThTZ2dmdFlTUWJFZVdMNFFLVGFPZDNLX0pvYnNhdERSZVI4MVdHY01pLUNkV0lMU2pBWWNOVjF3U1JfbTlqRUFsdGxkLU8tRFl6ZmhhYVlFRVFuNGtuQWxvMHo1QzlvSlpGa1dsVWFCSWQ5NHItZWdCaDdvOWd4bVFsWFZINnRxdDdqclpUWQ?oc=5) · loudounnow.com
- 2025-12-08 [Mayor John Horhn joins HOPE Credit Union to celebrate opening of the new HOPE Economic Empowerment Center - Jackson Advocate](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOb3hKeUs0YzVhbllUek4tQ0hJc1E3VmQ3VnVGWU1CZnJoNUgxbk5jZXlPUFh6MUV2MmRlMlc0VkpIXzhSM2pUX0JtV0ZmUlY0MTh1SjN2S3doeElfU1hwZFY2cW5Talh2Ui1vRGJGNTlkd2ZJRmNnWXpNZjlZc20tYkpqRHBTNHRJMGVGXzV6UV9NeTVKWmFFaHNBemFGMWtOaUtyYm5CelVKajJVbUptWXdMNVVNR18yNWV1TkM2Mi1HaWJZeTU5RTk2SGkwaGJTd0IwS0ZpSQ?oc=5) · Jackson Advocate
- 2025-12-04 [Dr. Phillips Center launches free Frontyard Holiday Festival supported by AdventHealth - adventhealth.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxNWnhQckJsRW84LUlkMFBFbGpYWDlnZ2hpVTg0REJjdkdRM2dxUHdmeC05LUFHakVMb3FGUTZYZnljbmk0VUtld3JhTnZPU01TcWp3eWxWTE5WQ1VLUV9BWVZlQmZTeFQwNTFkTXU1U0s1YXpmVzVYR3BoWS1zdm1oQU9aWU5uaC1KRFNpMkRIR1dZU0hKVms0bDZPeVZsOXIzMUsyQW1pXzUtY0t1Z0JCLUhEWnRobDA?oc=5) · adventhealth.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24905 (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/9.json (key "24905", 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=24905
- 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