# MISSISSIPPI PUBLIC EMPLOYEES
Jackson, MS · NCUA charter 24976 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mississippi-public-employees-24976

Who the members are: federal charter, multiple common bond, organized 1966, low-income designated, minority depository institution. 5,084 members of 20,000 potential (25.4% of the field); checking penetration 29% (share draft accounts per 100 members); loans per 100 members 34.

**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 | $30.1M |
| Members | 5,084 (– YoY) |
| Full-time staff | 10 |
| Net worth | $5.2M |
| Net worth ratio | 17.1% (p63 of band) |
| ROA (annualized) | 1.37% (p82 of band) |
| Total delinquency | 0.72% (p53 of band) |
| Net charge-offs (annualized) | 0.20% (p64 of band) |
| Loans / shares | 32% (p16 of band) |
| Cash / assets | 70.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.25% (p65 of band) |
| Operating expense / assets | 4.46% (p69 of band) |
| Vehicles % of loans | 79% (p81 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.75% (p59 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 19% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 84% |
| Certificates % of member funds | 3% |
| Average share balance | $3,489 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $4,605 |
| Loans granted, annualized | $3.2M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2025-06 | 1 | auto monoline |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2018-08-07 [Richard Miller Obituary - Ridgeland, MS - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxQTU50SGxlMzhCMXdySzVZMmV2UEREY1owZTZkeVdjWTdpMnlad1JINU1STUZrWDM1aDlQTzlHQ1hoV2RJa3NmV0xPMG9XSEExaktJajZ1SzJqNllKQ3BFaDNTUkhYSnNCVzNOYlNmamVQeFU0VWlVR0RHWnZJblh4M0VkT0Q?oc=5) · Dignity Memorial
- 2025-10-29 [Meet the Candidates: Mississippi Senate Special Elections on Nov. 4 - mississippifreepress.org](https://news.google.com/rss/articles/CBMipgFBVV95cUxNWm9xYVBQaGZNQzlrUzlaUHB6T1drOEdPbGNjeGRPeFJPWlFVdlUwZTFRNUY1bHVqazVKZkZ0bTgtNGJUdzhES1dQQ0lWYzF3TlV6TDJNVXFWMVhPQ09UYWFDWEt1aDliNGJQdjVvWmdWT3Q0MVJnTjZzRFNmd2IweG1TcVltNm1BNVNNc25rYlZYOHBsMkMyOV9Bbkd5RUN4UDg5XzdR?oc=5) · mississippifreepress.org
- 2015-06-07 [James Young, Obituary - Ridgeland, MS - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxNYm1MX3RTRlJhNzBwYThtZE9EeS1CUUJ0WWEyY0lmOE5rVTBic0oyTzk5QWctSWhva29TdHh5V2FFWUV4SmgydGJITUdfZ1FKUDk2aGdMWF9qVmIxN19xOVV5NEFYa3JSZXREUjExVlU0U1p0WlJuTnAwQVNKdVVqUw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24976 (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/16.json (key "24976", 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=24976
- 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