# NEW HORIZONS
WEST POINT, MS · NCUA charter 63808 · 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/new-horizons-63808

Who the members are: state charter, organized 1960, low-income designated. 3,741 members of 12,000 potential (31.2% of the field); checking penetration 16% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $10.0M |
| Members | 3,741 (10.0% YoY) |
| Full-time staff | 5 |
| Net worth | $1.8M |
| Net worth ratio | 18.0% (p79 of band) |
| ROA (annualized) | 0.94% (p87 of band) |
| Total delinquency | 0.55% (p41 of band) |
| Net charge-offs (annualized) | 0.20% (p59 of band) |
| Loans / shares | 66% (p68 of band) |
| Cash / assets | 12.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.53% (p70 of band) |
| Operating expense / assets | 4.09% (p70 of band) |
| Vehicles % of loans | 67% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.44% (p48 of band) |
| Vehicle NCO | 0.20% (p74 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 2% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 87% |
| Certificates % of member funds | 13% |
| Average share balance | $1,751 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $4,971 |
| Loans granted, annualized | $3.9M |

## Flags firing in the latest filing

- **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 | 2 | losing money |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | losing money |
| 2017-03 | 2 | delinquency rising |  |

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

- 2026-03-26 [Man walks into Mobile credit union with self-inflicted gunshots, police say - fox10tv.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxOWjJXaGtGTGxfU2pNUkxCV250dlRRMGJSTm5ZVks4Q0ROSjhKM3RJRjZkczlsWHZ3OTh2dkdZc2pUWXBOZFVXT1duYTNQZjNjSDg1TUpaNUpieHJQSDZFbERYekFFRmhSVENvOWR4VmcwWjY0bU5mNnU2NU9JREpUV0pod3l0c09vVDZGdmxROFdza2pINW5lcGwxUnp5YnU10gG0AUFVX3lxTE11UkNBdlZudTR3Ym9TcU43bjFEU29EaG5qRU9SNHRKUy0ySVdYQ0JONlAwTUxpa01ObDhOd2VLTnVrVEk2R19QSGYxaUd6d1Rya0RUVWFXbVhaNU9BRDVOOU1wdlNDM01pQ2VmYllaYkU3cF9QMEszMDhPY2JodkItV2hiMWpVZ2lRSnZfY0VxWmljRXcyOEZhU3FSb0JKcmVMUzZoa3VHT1o1bm0xN2dmYnljZw?oc=5) · fox10tv.com
- 2021-04-28 [Business Brief - Post Register](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQY3ZQRExucnZhaHJHWkxaYzBhSGdlaW5vc3lNRURuLW1WcGRXMS16cEl2blVZN0lpOVEzRUMwSk53RlVxblB4M2ZFLTlnMHhSVWthbmFUNnBpdENMV09icElNM0l0czdmUjlqUk04TFY5V3BlVld6T2tLc0xpdXBHYWNqYUlxUzcxRUlGdkFUYVp1ZDk4Y0lZRXMxVlo4QTZIWnhtOGEzQWFuQQ?oc=5) · Post Register
- 2023-08-28 [Mary C. Klingborg Obituary Aug 28, 2023 - Esterdahl Mortuary and Crematory](https://news.google.com/rss/articles/CBMiYEFVX3lxTFA1U0x5eVZVc0Zra2hGeVRjdWFOaWNVaFJBb0dUQ19jWjRLT2h1UldXeElsWGQ2c3EydzJNQ1daQlV4ck9Td09OTnh0TUtwRlZMUWV6N3ZjSnhwb3hEUGhzZA?oc=5) · Esterdahl Mortuary and Crematory
- 2011-03-28 [Aging apartments transformed to affordable housing - WLBT](https://news.google.com/rss/articles/CBMikAFBVV95cUxOa05pb3d0ZEtFbGRfNEJMMFMyaXByNGpXMnB6cHNZVldqMkNuRmZlVXQ4ZThSN0JOUDhYdGtPaGRrMUxPMEllUkIxcGY2QVdJVzdTaFBtMEl3WmFFM0R1OWpLcUJSMkphUHpkdFJobmQtdS11bmd5NzN2RDJPVXFxRUNBa0g0UzZKZ24taUlhRzDSAaMBQVVfeXFMUGFiS3BOVVM1bndyNndNUnFraTc1Q0FSMU5KaWhZRUJYZlhpVUh3STVjRHUzcUdoZmRpUmgzVXd5ZXlWU25KNDVCcVJNelVBLTZtWFI1eU91eTF4VUg3aU1wM05MU0xwMzZGc2lDMEo4enVwR0NDam1vYmJTQ25vOWRmOG5jT1pvREg3TVotVFJYTkw2OXVXTGFlY21yWlp1ZVVXSQ?oc=5) · WLBT
- 2025-04-08 [Best Banks and Credit Unions in Alabama 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijgFBVV95cUxPMWNrakgzVGJNYXhMMVVYLUtEQVBieXpPMkJoUXp5ODVldks0TVRxRk5fZHY3ek9MTktvRmlkdDdxaUFOTjlQR1prM1dwSFFoaU1hMlJYem9LaGFVN3JCZXJjazF4MnlSRFhwTzFRQ0NsbkJ5VXJXbURnbi1JS3JjZWJqTVhCWDBnQnNaQ2NB?oc=5) · Newsweek Rankings
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2013-09-24 [Favre making return to NFL? No, says his agent, Bus Cook, but he could if he chose to do so - AL.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE4xQ3pOdlJSQUZNREUxSDVLM21FNVp3b1Y1R3pISWtSTzVrSW1JVGp3RHBoaHdoa3hCYzAxOHRWNFVHTnNDc2tQcXFrOVYwUUFfSTNFVDA0RUM5Qkc5RlY4SzNnbDFUNDhDcWNuaHVzanAtbzVfOTY0?oc=5) · AL.com
- 2023-12-19 [Auburn Hills Chamber Celebrates Award Recipients - Oakland County Times](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdWNkNTdJdUp2NFVGaDFoWlhzRG5UdGhzVjh0YjVhQk1DLUhGWmJjVE9MT0tpcTRUMjJJTTlETE51OEd2YTJsVElXVmdEUEJBSjBFQ2o4Vmp3NjdVUk13d0FYZHYzWjRidkZtemtaWjBSb2lLUzlkZlR3ZUFFOFJjOWRZRlBadnd1eTJZeDlQbzFxV2c?oc=5) · Oakland County Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63808 (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/0.json (key "63808", 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=63808
- 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