# SINGING RIVER
MOSS POINT, MS · NCUA charter 8694 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/singing-river-8694

Who the members are: federal charter, multiple common bond, organized 1953, low-income designated. 32,756 members of 1,299,660 potential (2.5% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $402.5M |
| Members | 32,756 (3.1% YoY) |
| Full-time staff | 102 |
| Net worth | $45.7M |
| Net worth ratio | 11.3% (p52 of band) |
| ROA (annualized) | 1.54% (p91 of band) |
| Total delinquency | 0.58% (p48 of band) |
| Net charge-offs (annualized) | 0.78% (p82 of band) |
| Loans / shares | 92% (p91 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.64% (p96 of band) |
| Operating expense / assets | 4.49% (p82 of band) |
| Vehicles % of loans | 56% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 52% |
| Third-party paper % of net worth | 209% (p82 of band) |
| Vehicle delinquency | 0.71% (p61 of band) |
| Vehicle NCO | 1.10% (p73 of band) |
| Repossessed % of vehicle book | 0.37% (p93 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 46% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 44% |
| Average share balance | $6,097 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.2M |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $18,189 |
| Loans granted, annualized | $105.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.2M outstanding purchased (4.7% of net worth), $2.1M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 2.0% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, repo signal, 3rd-party paper>100% NW |  |
| 2016-06 | 4 | loans>95% of shares |  |
| 2016-09 | 3 |  | loans>95% of shares |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | delinquency 2x band |  |
| 2017-06 | 3 |  | delinquency 2x band |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | loans>95% of shares |  |
| 2018-03 | 3 |  | loans>95% of shares |
| 2018-06 | 3 | loans>95% of shares | repo signal |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | thin capital |
| 2019-03 | 1 |  | loans>95% of shares |
| 2019-06 | 2 | loans>95% of shares |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | members leaving |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 2 |  | loans>95% of shares |
| 2020-09 | 3 | net worth falling |  |
| 2020-12 | 2 | margin squeeze | members leaving, net worth falling |
| 2021-03 | 1 |  | margin squeeze |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | expense trap |  |
| 2022-06 | 2 | delinquency rising | expense trap |
| 2022-09 | 3 | loans>95% of shares |  |
| 2022-12 | 3 | net worth falling | delinquency rising |
| 2023-03 | 2 |  | loans>95% of shares |
| 2023-06 | 1 |  | net worth falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | loans>95% of shares |  |
| 2024-03 | 1 |  | loans>95% of shares |
| 2024-06 | 3 | delinquency rising, loans>95% of shares |  |
| 2024-09 | 1 |  | delinquency rising, loans>95% of shares |
| 2024-12 | 2 | loans>95% of shares |  |
| 2025-03 | 1 |  | loans>95% of shares |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | charge-offs p90 |  |
| 2025-12 | 1 |  | charge-offs p90 |
| 2026-03 | 1 |  |  |

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

- 2025-08-03 [Singing River Weight Loss Center Partners with Singing River Federal Credit Union to Expand Financial Access to Weight Loss Surgery - WXXV News 25](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPbmxiSXJ4eHJaS1VfcjZRdGhOVV9lRVlEaHh6ZzhzM0d4cXZzOE5wUmNaNU5NbVBlMnFuMGQ0TkxtX1diSEM2a3VHcG5NODU5Ql9IQ0p2SmpxaURjQXBna0NjX3diY1lwQnc3QThhelNSdUc1cUt4NTNtZzhIV2hLY1VQSmk2R041R1NaV2t2YnpVNFZySXMwWm5aOExGS1hJZFdxWEtMYW5jd3d3T1l3dUJ5YThaWE9zdW9PTmxtaE9zZXEwWWhDYVdJU3Y2dTVTZFZRenBTMldLeFExOVR3Q1ZFcXlldHdla0Rr?oc=5) · WXXV News 25
- 2020-08-03 [George County deputies looking for credit union robbery suspect - WLOX](https://news.google.com/rss/articles/CBMilwFBVV95cUxNejhuMTRIN0ItMlFzOWtLdlkyeURuM3NQbm9OTGgwelRQaUw4RmdJZjdJTDAyU0E0WFJwQi1vNzl1TFBnaG1nc1RVSFpqN3cySk03bUVZRHh3NVpmUmZqeG8xWGJwOEVmZjlxS3hsSzhMa3JEMFR0a3JtSUZ0bC1fLXp5WXFYZllSOExzTW1jZjlZNnVGcWk40gGrAUFVX3lxTE1DakpFTU10S2ZRMTJqNVBHMXdiWmtBaGdkNEotVk1GWkRMVzVFc0gwb2V0Sm5IOHNhaGEyb3RaSWpYSjE0eHNsY1E0NW1VWjk1eTBqUjBTbVAtSmp0Ym5jQ3V3NWkzTW5iOG1wNFZTTTRKN0VYemVSeHFYN3dGaE1Jd3c0c1RIRkdMNXpXZEVEeXJXWkEtR3pvb2YtOC03anJfcTk4NEFhNC1Zdw?oc=5) · WLOX
- 2025-04-13 [Credit Unions around the Meridian area hosts 2nd annual Credit Union Easter Egg Hunt - WTOK](https://news.google.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?oc=5) · WTOK
- 2015-12-22 [Robertson’s fall from legislative power cautionary tale - Hattiesburg American](https://news.google.com/rss/articles/CBMisgFBVV95cUxNY0FSM2JDS0pzWlU3eHZEZ1o1cXhNcWw1TW9XNmpicmlWdFZrMEFiSlVkMEkzaXpkMlRVQm1Hak03MGRycmVDV0JOTDRkajJDQmNhTWd3OTRic0NlTzVWbU10NkpONi04UUlta1FQdUF6YUFvMHdmNHdqNU0wcUVibE82MnphdWsxa045N1BzTmZOZXVhbjZ1a0FLQl9NbnVkTm1MYVB3b0VDZnlmRDBtSmhB?oc=5) · Hattiesburg American
- 2019-03-18 [Former credit union vice president accused of stealing $350,000 pleads guilty - WLOX](https://news.google.com/rss/articles/CBMilwFBVV95cUxQUDY3d1k5U1pFb2JIMzR4cWR0NHRaSXJ1VjBuOWphdDF5eGZXbFdSZ2dvNzk0T0N2VHoyeWtLaUdkUnczbmIybDNTX0UyRlNzVUdxdC1nUHZYUXNTVTBLLUVTWVFTbFR3dE9oSG9GUmNnc3FrdjEtLWdQWldWdTZCZm1TRjNwaTRta1Q1ZkNLcnZCa0NDdTF30gGrAUFVX3lxTFBMbHF5cFFjLXpBM2w2MUlJc3FnaEpmWHpaVGFpS2ZBUXJkUVJXdjBBTVlseDY1SjZCZzN2VlU4OUNVZU9tMzR0S1gxUXhFXzRLYzI4RmFyMzNYaGloWVZhcGZmTDBvelJpREdHZUpWSmJkQzNQVC1BOXVHT0w0VHRPa09LRmpDUnhfOEJKczNzRUEyQU1IMHpUOFo5Z1Ixb0xURU9QakdhVnFINA?oc=5) · WLOX
- 2016-06-27 [Former state senator Tommy Robertson to spend two years in prison for embezzlement - GulfLive.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPNUN3NGRxM3lqbWhVNUZXZ0tzWDZGZ3ByN0MyT0NIRktxNFVRN25BMGdhb0RLQmJoQVFITThTZ3B1OFNxQm1feTlreWZmdFJEdy1MTjQ3ci1VNVItZzQtSExqR0lzWEQ2VGVmQzlXVGJGbzc0OURjZE01bXRDSG5UdnVobWdWNHpYczFXVkpIQTBmN2RfZ1MxYg?oc=5) · GulfLive.com
- 2015-01-26 [Former state senator Tommy Robertson charged with embezzlement - WLOX](https://news.google.com/rss/articles/CBMioAFBVV95cUxQNFp1N0xMNmtLV0dwMW5OX25Na2xhb05XZTg2am15YXdscXphLUJKMFllcHVmTVBFckhiTk9RUG1HNm9WcU10eFRtbm96eEFfVklXcElqTG9YOEhWb0lUNHBsaWx2dW1ENnpnWW4tTGRqSHRGc2JwaHM4MVlvOVNTdnVpY3NjN2tFVXVvV2hDZHJqUzRrWDZsQ0l0YUZZcDFx0gGzAUFVX3lxTE1MeUQ0eV9Qa0RiU3ZNOUYySmdmUEV1ZzE0c3REbGlfbzZjX3BiYl9iUzR3Y2lNZERsSVJDa0c1MHZyV3NkSDZHZmJ2Tzd5RG9BLTFJX3pXa1RqaDNSRURFdTd0ZzFrNlh3T2xtZmVsZUZrdXZuZkZFQlRvMV9YQ3R6UG1rdHltRkJIMi1LQWE1WmRVODU1QXJGMXdCR0FMUUV3djRTYUFIRTk2b2hqcFdZaXkw?oc=5) · WLOX
- 2021-06-11 [Sheriff: Suspect arrested trying to rob same credit union he robbed in March - WLOX](https://news.google.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?oc=5) · WLOX

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8694 (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/54.json (key "8694", 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=8694
- 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