# EPA
Ridgeland, MS · NCUA charter 63701 · asset band <$50M · latest filing 2017-03 · stopped filing after 2017-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/epa-63701

Who the members are: state charter, organized 1967. 2,060 members of 3,000 potential (68.7% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 58.

**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 | $22.1M |
| Members | 2,060 (-0.9% YoY) |
| Full-time staff | 2 |
| Net worth | $2.6M |
| Net worth ratio | 11.7% (p45 of band) |
| ROA (annualized) | 0.23% (p52 of band) |
| Total delinquency | 0.90% (p54 of band) |
| Net charge-offs (annualized) | 0.67% (p76 of band) |
| Loans / shares | 42% (p29 of band) |
| Cash / assets | 12.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.14% (p18 of band) |
| Operating expense / assets | 1.89% (p12 of band) |
| Vehicles % of loans | 66% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.16% (p36 of band) |
| Vehicle NCO | 0.15% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $9,440 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $6,813 |
| Loans granted, annualized | $4.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, delinquency rising |  |

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

- 2025-12-29 [Biden’s ‘Solar for All’ Program Promised Millions in Energy Savings for Mississippi Families. Trump Killed It. - mississippifreepress.org](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPdzExYmVXNUV2bXFndHZxNWFlZE5zbkxCem83a2pBRzAwZGxjcjZLZmFRNDBKWnBFWnhzLTBEX3BVSHQtMVVpcEQwQ3VqRlk2OV9NMWRHb2VrY1MyVzQwZFM5SUNVUUNvZGtNMUlCcnFFcmphT1BIM1BvSk1idTFwNFY4UW9uR19lMW5lMmZBNF95NWNaNFhxUXI1SGxxWW5lM1o2WE5rTWtDaGFmV1hubXNtZ2E2b2N4SHp5cHNlNVVwQWdJV1FwSm5vMFJnY0pPTkVmRWVzbVB3eVE?oc=5) · mississippifreepress.org
- 2025-05-17 [Waiting, Often in the Dark, for Frozen E.P.A. Funds (Published 2025) - The New York Times](https://news.google.com/rss/articles/CBMiggFBVV95cUxQMlZNUUtxc1p2SWxoaVJBQjJkbV9qQmZteDd3d0Jhd3M2RlBldUdlekE1SFpKVm52b3ZnQ2pEeHY5ZTRzOGhZQV83bDc3LW9yckl6b3pBOTlHUEozZk9vVDNVUERZMVZSSUg2akhUOTNfSlFBWG56cVZqWUNfcDNZX1hB?oc=5) · The New York Times
- 2019-03-20 [Economy Remix: Community Finance Leaders Seek to Lift Up the Delta - Nonprofit Quarterly](https://news.google.com/rss/articles/CBMingFBVV95cUxPSXRTREw1YUwwS1Uzc2pDR1VkblJqd2Q3UldWVWFPMEdSWXY5TWhvYUpxcG91aUlLMHhFX1NQYU1qNkhHTllHa2dLMG0zRW05NDZuVTZaV3g3ZEVqcGM5RjVpaXNpSDdydnNKeFQ3TUtubjZBSkpvZno1S25Kb2tsNTQ5OVVIaUloVk9ETF9JVkJnTktuSVRrX3Ntejd5QQ?oc=5) · Nonprofit Quarterly
- 2025-06-04 [In Puerto Rico, a Struggle for Power Comes to Light (Published 2025) - The New York Times](https://news.google.com/rss/articles/CBMifEFVX3lxTE9held5M0xRWGVvUVhDYlcwS0c2ZXhCVkxzRVhyRURNRUpSc2ZzcXkwZExtRG9fR3R2TEJlQThGUTRKRkg4ZW1vUUduRkFvRHZhZjJoMXZFZjBzcXNyZU9QeHUwaUdpRkRUSHJyUlJCSDY0UE5xcm9YeFdLWWo?oc=5) · The New York Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63701 (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/21.json (key "63701", 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=63701
- 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