# M S T C
Jackson, MS · NCUA charter 6320 · asset band <$50M · latest filing 2018-03 · stopped filing after 2018-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/m-s-t-c-6320

Who the members are: federal charter, government (single sponsor), organized 1949. 761 members of 1,000 potential (76.1% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.6M |
| Members | 761 (-2.8% YoY) |
| Full-time staff | 0 |
| Net worth | $357,130 |
| Net worth ratio | 13.8% (p59 of band) |
| ROA (annualized) | 0.22% (p42 of band) |
| Total delinquency | 0.11% (p20 of band) |
| Net charge-offs (annualized) | 2.08% (p93 of band) |
| Loans / shares | 18% (p4 of band) |
| Cash / assets | 6.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.66% (p32 of band) |
| Operating expense / assets | 2.42% (p23 of band) |
| Vehicles % of loans | 20% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.00% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 76% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,914 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 26% |
| Average loan balance | $1,466 |
| Loans granted, annualized | $410,716 |

## Flags firing in the latest filing

- **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 | 2 | losing money, charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | delinquency 2x band | losing money |
| 2016-12 | 3 | losing money |  |
| 2017-03 | 7 | delinquency rising, assets shrinking, members leaving, loan book shrinking |  |
| 2017-06 | 7 |  |  |
| 2017-09 | 7 |  |  |
| 2017-12 | 4 |  | delinquency 2x band, delinquency rising, members leaving |
| 2018-03 | 3 |  | losing money |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6320 (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/48.json (key "6320", 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=6320
- 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