# MCCOMB
McComb, MS · NCUA charter 4090 · asset band <$50M · latest filing 2025-03 · stopped filing after 2025-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/mccomb-4090

Who the members are: federal charter, multiple common bond, organized 1940, low-income designated. 1,336 members of 5,000 potential (26.7% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.4M |
| Members | 1,336 (-0.1% YoY) |
| Full-time staff | 5 |
| Net worth | $747,983 |
| Net worth ratio | 13.9% (p48 of band) |
| ROA (annualized) | -1.53% (p7 of band) |
| Total delinquency | 9.25% (p98 of band) |
| Net charge-offs (annualized) | 2.11% (p93 of band) |
| Loans / shares | 68% (p61 of band) |
| Cash / assets | 32.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.83% (p82 of band) |
| Operating expense / assets | 6.65% (p93 of band) |
| Vehicles % of loans | 48% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 10.97% (p98 of band) |
| Vehicle NCO | 1.67% (p91 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 36% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 97% |
| Certificates % of member funds | 0% |
| Average share balance | $2,294 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 26% |
| Average loan balance | $4,975 |
| Loans granted, annualized | $788,132 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 4 | thin capital, losing money, charge-offs p90 |  |
| 2016-09 | 6 | net worth falling, expense trap |  |
| 2016-12 | 5 |  | net worth falling |
| 2017-03 | 5 | margin squeeze, assets shrinking, members leaving, loan book shrinking | delinquency 2x band, losing money, charge-offs p90, expense trap |
| 2017-06 | 6 | delinquency 2x band |  |
| 2017-09 | 5 |  | thin capital |
| 2017-12 | 4 |  | members leaving |
| 2018-03 | 6 | delinquency rising, members leaving |  |
| 2018-06 | 4 |  | assets shrinking, delinquency rising |
| 2018-09 | 3 | assets shrinking | margin squeeze, delinquency 2x band |
| 2018-12 | 2 |  | loan book shrinking |
| 2019-03 | 3 | losing money |  |
| 2019-06 | 1 |  | members leaving, losing money |
| 2019-09 | 2 | members leaving |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | losing money |  |
| 2020-06 | 5 | net worth falling, margin squeeze, loan book shrinking | assets shrinking |
| 2020-09 | 5 | delinquency 2x band, delinquency rising | members leaving, loan book shrinking |
| 2020-12 | 2 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2021-03 | 4 | delinquency 2x band, delinquency rising |  |
| 2021-06 | 6 | expense trap, assets shrinking, members leaving | margin squeeze |
| 2021-09 | 5 |  | delinquency rising |
| 2021-12 | 4 |  | delinquency 2x band |
| 2022-03 | 4 |  |  |
| 2022-06 | 5 | delinquency 2x band |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 5 | repo signal | delinquency 2x band |
| 2023-03 | 5 | delinquency 2x band, delinquency rising | members leaving, repo signal |
| 2023-06 | 8 | net worth falling, charge-offs p90, repo signal |  |
| 2023-09 | 7 |  | net worth falling |
| 2023-12 | 6 |  | assets shrinking |
| 2024-03 | 5 | assets shrinking, members leaving | losing money, charge-offs p90, repo signal |
| 2024-06 | 5 | repo signal | members leaving |
| 2024-09 | 6 | losing money, members leaving | repo signal |
| 2024-12 | 6 |  |  |
| 2025-03 | 8 | margin squeeze, charge-offs p90, loan book shrinking | members leaving |

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

- 2026-07-03 [Samuel Hall Obituary (2026) - Magnolia, MS - Peoples Undertaking Company, Inc. - McComb - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5mZW1UTDZremtjbGgyWXIxVk5EbF9XZ1ltT1FqdjJrV1RVZFRqaFpRRkRiaVltbnczUTNwWHNZU0J1OWpLMGZfdy1kbnVuWlFsTExFRG9DYkRmblFyZWdoRVhzWllWaVB2dUtZRm9QVGl4Vmp0eS1nLXUycUVzZTg?oc=5) · legacy.com
- 2021-10-15 [The old Jim McComb lot in Peoria is being developed. Who is the mystery buyer? - Peoria Journal Star](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQMVAydkdLdE1Kb0FpUnh3YVRIeW9zUk0yMENodUJ5d0M4NjBQQ2FfX1ZnYW1YYzVxZmNWOGRPQU9GZGl0XzR6eVJmTEN2VmNnMEFPQzZCejhpbnJ6ZTlPZ01LVlI3WTRvdjZZbVJaSVAzZnJxVHFWc245NDJsVU50QmpCdFZIYnFLdThWeEhVZVg3RTlkVkFxQktCLXExQWdmNXJZbjFyYzJyMi1ZR0lUZ2NGQkRmUm1fOVN2WmxxR3o4SkE?oc=5) · Peoria Journal Star
- 2022-04-08 [First Unity aims to help build wealth - The Enterprise Journal](https://news.google.com/rss/articles/CBMimwFBVV95cUxPUEg5OHhjWjZybUNGY0hQaDJEZjhJS0xrS2RRZTlQMFE3TV9WNVBVUDM0ekE4M0xJRHZ2SVNKSWFWNkwydEZCbmplX2p6bklQV3B4QjE3Q01tdm9NV1BPSGk5N0tCelVsazZjaGZyU1lIbFFUdXVTMEYzUXpSTkM3Qlo3cTB1M0NRS2RPUG9iaThpOXJxbm9DdEZhOA?oc=5) · The Enterprise Journal
- 2015-05-08 [Leslie Elizabeth Monier Budz Obituary May 8, 2015 - Bradford O'Keefe Funeral Homes](https://news.google.com/rss/articles/CBMicEFVX3lxTE9FWnVUVHJWSG1mLVRwOU5XY1lyY0lhRGhuZ3JBZGlDV0R2MWFLb2JwVEtCVkNUb0hra3pVNmRPOUw4WThJVU1lM0ZNY1NoNDZteE5hYXhrcjM3OWIxcENOY3lBejVFeXhOQ1c5QWEzSkY?oc=5) · Bradford O'Keefe Funeral Homes
- 2021-01-21 [Robert Thompson Obituary - Pelham, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOVldRaXF6WnI5ZHQxN19qUFpSc3Vpd3VJRm9CRXNKNWo3WDEwX1BaY3B0UVp2SzU3Q0JjblZnSnhfbWRuQV9CRG5pU1hIWHR3UzFBN3owaElGY0tlM1pyd2NhdzNNQmV6Tkl5TW1aM1FIUk1DVjVEQ25CeUw3bmUzc29NYw?oc=5) · Dignity Memorial
- 2020-07-07 [Wade "Catfish" Dickerson Obituary Jul 7, 2020 - Mulhearn Funeral Home](https://news.google.com/rss/articles/CBMieEFVX3lxTE1KbENub3c0V3JFbVRTNEZhWkQyOEVZd2JZME5ONnV2Mk1fTnBxWnAwOGItcjdyVHJxTXlEUTVvQXZ5anJ1UThjcGZoWjdNV3RUb0xibTVURkxRREpMbW9HYmtYUXdPenpycGpnakVCdHF5MF9BU3VrVw?oc=5) · Mulhearn Funeral Home
- 2021-06-16 [Treasury awards $1.82 million to Bank of Brookhaven, 51 other MS institutions - Daily Leader](https://news.google.com/rss/articles/CBMisAFBVV95cUxPdmhObUZYbVdJMEtYaVVpVHVldWxYd1FxdTBTaDROM2hUMDFCWUFsZkJkeUJsQTN6NDdqTVBYUTRiZHF1Yk5Vbzdpc0t3TzUyNWQtRS1vc29NMmtQUVU1aXpwdEoxSWYyc0VycVYwcnkyUUhhZmpLd25TZHRlNW53czJnbEF2aEZoNkxNeHZOR2NsTE9lX1F6aklpdm9FbUt4U3pUcTAzTXM3VjJPZ0xJdg?oc=5) · Daily Leader
- 2025-05-07 [Summit Academy reaches new heights as Cool School of the Week - FOX 13 News Utah](https://news.google.com/rss/articles/CBMirgFBVV95cUxQdEJoNUI1U3ZIR0VjcVplZjdjamg5Yk9rOGpabjVMcFl6UXFiTklMZmpiMi1UNFNxbkdKdFp5UWNHWnZrMHJXM3pVV1VwYTJkaW1kbEJYbXJ1T212VlZKLUVlUnRsdHNXZ0RxZkZTOTF2YXJETzJSRGpSdnVyWVJHM1k4YXVEUk9IaGx1UDAyWloxOW1taWVVOXZwYVRnU1VjQ0hBY0ZwY3h3a211YVE?oc=5) · FOX 13 News Utah

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4090 (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/58.json (key "4090", 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=4090
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide