# MISSISSIPPI FARM BUREAU EMPLOYEES
JACKSON, MS · NCUA charter 63874 · asset band <$50M · latest filing 2017-06 · stopped filing after 2017-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/mississippi-farm-bureau-employees-63874

Who the members are: state charter, organized 1958. 1,350 members of 1,350 potential (100.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *too clean*. 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 | $14.6M |
| Members | 1,350 (-1.8% YoY) |
| Full-time staff | 3 |
| Net worth | $1.8M |
| Net worth ratio | 12.6% (p51 of band) |
| ROA (annualized) | -0.14% (p23 of band) |
| Total delinquency | 0.07% (p16 of band) |
| Net charge-offs (annualized) | 0.55% (p70 of band) |
| Loans / shares | 27% (p10 of band) |
| Cash / assets | 5.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.71% (p7 of band) |
| Operating expense / assets | 1.69% (p9 of band) |
| Vehicles % of loans | 82% (p93 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% (p14 of band) |
| Vehicle NCO | 0.26% (p68 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 6% |
| Average share balance | $7,348 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 82% |
| Average loan balance | $6,221 |
| Loans granted, annualized | $6.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **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 | net worth falling | losing money |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 2 | losing money |  |
| 2017-06 | 3 | net worth falling |  |

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

- 2020-03-13 [Keesler Federal Credit Union continues expansion with merger - American Banker](https://news.google.com/rss/articles/CBMirgFBVV95cUxQbTE3eXk2VWRSV1ZrTDNGaFdZWTZFQUk4NDZvVVN1eGxyWEt6c0VCOUdYdllrMW9VSDdWclpPemdFRjZlYi0zVzdRZm4yTTBfWFUtaUxpbnJGVHNna0pscHllTkVLLVZCcjZyQ2g1M21pZVVHMElTTHJ3Y3EwRkRyQV9HWkFINlJLZllTaEFNR0wzU0dEckpXUDc5Y1JMRGdyU000Qm1lSy02QWNRMnc?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63874 (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/2.json (key "63874", 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=63874
- 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