# STATEWIDE
Flowood, MS · NCUA charter 6369 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/statewide-6369

Who the members are: federal charter, multiple common bond, organized 1949, low-income designated. 24,134 members of 40,000 potential (60.3% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *auto monoline*. 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 | $210.0M |
| Members | 24,134 (5.5% YoY) |
| Full-time staff | 44 |
| Net worth | $19.5M |
| Net worth ratio | 9.3% (p19 of band) |
| ROA (annualized) | 0.75% (p56 of band) |
| Total delinquency | 0.64% (p55 of band) |
| Net charge-offs (annualized) | 1.37% (p96 of band) |
| Loans / shares | 66% (p32 of band) |
| Cash / assets | 10.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.31% (p88 of band) |
| Operating expense / assets | 5.10% (p94 of band) |
| Vehicles % of loans | 66% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.72% (p61 of band) |
| Vehicle NCO | 1.09% (p73 of band) |
| Repossessed % of vehicle book | 0.09% (p69 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 14% |
| Average share balance | $4,204 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 31% |
| Average loan balance | $9,007 |
| Loans granted, annualized | $79.2M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 1 |  | thin capital |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | thin capital, net worth falling |  |
| 2020-06 | 3 | expense trap | delinquency rising |
| 2020-09 | 1 |  | net worth falling, expense trap |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 5 | expense trap, charge-offs p90 |  |
| 2021-12 | 3 |  | delinquency 2x band, delinquency rising |
| 2022-03 | 3 |  |  |
| 2022-06 | 4 | delinquency 2x band |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | delinquency rising |  |
| 2023-03 | 6 | net worth falling, auto monoline | charge-offs p90 |
| 2023-06 | 3 | charge-offs p90 | thin capital, delinquency 2x band, delinquency rising, net worth falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | expense trap |
| 2025-03 | 1 |  | charge-offs p90 |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | charge-offs p90 |  |
| 2025-12 | 3 | expense trap |  |
| 2026-03 | 3 |  |  |

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

- 2026-07-18 [Our Mississippi Magazine announces new class of ‘Most Influential African Americans’ statewide - WTOK](https://news.google.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?oc=5) · WTOK
- 2026-06-06 [11 are recipients of SUNY Fredonia credit union scholarships - - observertoday.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQS2dsTmxxQUthUU9oYUY0V1NKc2E4MWJxdUJiZlBSTnRJSVlGZVFDcno1VkFjZFFIbGJSRGNiM3RHN045NVBtZm1QMTdqS29OUUZtSG9ZckFSMEZBTXlWTW5Rck5HamZIbV9yRGJpMUsxa1dlMDhwWFRoYkZMQW14Q3R2aE0yNVJMMWNLbTJCRVZjUExvNXdZbWo2amxFeklJVHRXRUdFSjJjS0U0ZjN4eVdRTVhwVjhm?oc=5) · observertoday.com
- 2022-12-19 [Alabama ONE Credit Union Acquires First Bank Of Wadley - Patch](https://news.google.com/rss/articles/CBMikgFBVV95cUxPZFRTM2JKV2hJaGxRQkY5YXQyN3Q1T2NjeEdkMFM3VkRpXzFpeEFVT3Q2cnFCX0xGNk5LTjRRUk14SGFHa2ItQlpWUkxwUzgyNXVYbU9tYXRRTWFtMHF2TUZha01QLXNBcjhwcEZvLVViYWVsWHk0OW52WkZDbzBWWmtmWmN6cldwbklncGFkQzFwZw?oc=5) · Patch
- 2022-11-30 [Pennie Raposa Obituary - Ridgeland, MS - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxNbUJzWlRnR3pMb0pEaWhNUWhwUXBuOUdFSzJGb1BrcVd2MHZCbjZqNEd2NUhSY1ZicndCNXR1RHFGT3BNMllxVWhZdVkyY1Z4QWhJdjZsa2tZY0t3b1AzZEFaTmJGU2JtRTRsaVZaV29jZkZaYk9ZSUhrdmNwd3FUWjNaSEk?oc=5) · Dignity Memorial
- 2021-03-10 [Design Collaborative plants roots in Charlotte - upstate business journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxQLWJobGU5amFLMFRGZFl6RHRDMHhLMHc4RmJod3dITVoyeVBuRDdXTDRheDhKQXlKSU9BT3QxcVpYMlpTZjdxQ2JVVFl3NmJmcWVGTEhYRHZGbGRYNXVQdjBNRmVlQnprLUVFZkZoWUQxMFM5UVdZcFBENWlDMWFWMDlLcnJrNnhSeE5kNENCRFMwOVltT1EwY2V5MmZVU0pFZDdN?oc=5) · upstate business journal
- 2017-06-28 [City of Riverside’s Emilio Ramirez Named to Statewide Homelessness Council - inlandempire.us](https://news.google.com/rss/articles/CBMilwFBVV95cUxPdnUzTzNqR1BSVFVyNmFZVmtqcVRlVEsyMmV5M1pCZzZzTUtmd2lTZVgtdlFCWHRfYUYzRmw5QmQwRmRqSEJVUnBXRzRiUklEdW0yY3dKODJSLUFzM0xFVjlOckFyUEJmS0RSY3Atd3RfbHMweTRMN2NuUTNOZVRrZDRYWmZzS1dkTHVKZWxMUVFnUlJUT0Q40gGXAUFVX3lxTE92dTNPM2pHUFJUVXI2YVlWa2pxVGVUSzIyZXkzWkJnNnNNS2Z3aVNlWC12UUJYdF9hRjNGbDlCZDBGZGpIQlVScFdHNGJSSUR1bTJjd0o4MlItQXMzTEVWOU5yQXJQQmZLRFJjcC13dF9sczB5NEw3Y25RM05lVGtkNFhaZnNLV2RMdUplbExRUWdSUlRPRDg?oc=5) · inlandempire.us
- 2015-09-11 [Cleveland County DSS employee honored with statewide award - Shelby Star](https://news.google.com/rss/articles/CBMitAFBVV95cUxPTDExNXVnNG11X2ZlUnd3VmVVcDhWajhaNmVIVi1pMllEY0RVaGtES0JmSjVxT3VPUmRfZzQydkJzMVFRa2paNVotWEhRbnpueDFTa1M3S3MycnlFQ2dnWW1hNVRjU3hRaTk4ZV93Z3hFcFVuY1g5ajJRb2ptcDUwbVQ1cVV3NDQ5dklBU2RueFl3S2F6dXJaaXdiYmVrLVZiZHprT3BEVld5LTFhMFdEX1Z5ZEE?oc=5) · Shelby Star
- 2022-02-26 [Piotr Sygula Obituary (2007) - Baton Rouge, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPaXVBdmpmeTFqdmhabTFlZmNpT283LXJsZHJSa29YMGJQalFLQ3puU3FlZXRuMldVVkc4ai1yNm1uMHhjeVp1aVpUejZNWXp2SDcwME16TXI1VUFjUmZoRTAtZm5jX3RiS0tNZEtqOXpyMjdndFBzRjBCbm0zdXVqWXpRR1VjYUVoY1EwMkt4Q3M?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6369 (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/33.json (key "6369", 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=6369
- 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