# SUNBELT
Hattiesburg, MS · NCUA charter 8905 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sunbelt-8905

Who the members are: federal charter, multiple common bond, organized 1953, low-income designated. 35,226 members of 252,677 potential (13.9% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *ordinary*. 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 | $370.1M |
| Members | 35,226 (-2.7% YoY) |
| Full-time staff | 108 |
| Net worth | $58.5M |
| Net worth ratio | 15.8% (p91 of band) |
| ROA (annualized) | 0.69% (p49 of band) |
| Total delinquency | 0.49% (p41 of band) |
| Net charge-offs (annualized) | 1.16% (p93 of band) |
| Loans / shares | 75% (p50 of band) |
| Cash / assets | 19.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.31% (p88 of band) |
| Operating expense / assets | 5.74% (p99 of band) |
| Vehicles % of loans | 55% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 6% |
| Third-party paper % of net worth | 23% (p32 of band) |
| Vehicle delinquency | 0.68% (p59 of band) |
| Vehicle NCO | 2.34% (p93 of band) |
| Repossessed % of vehicle book | 0.12% (p75 of band) |
| Real estate % of loans | 13% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 19% |
| Commercial % of net worth | 22% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 41% |
| Average share balance | $5,629 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.3M |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $14,045 |
| Loans granted, annualized | $129.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.3M outstanding purchased (7.3% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 12.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 1 |  | delinquency 2x band |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | delinquency 2x band |
| 2017-06 | 2 | delinquency 2x band |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | delinquency 2x band |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 2 | expense trap, charge-offs p90 |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | delinquency 2x band |  |
| 2020-03 | 4 | delinquency rising |  |
| 2020-06 | 5 | net worth falling, margin squeeze | delinquency 2x band |
| 2020-09 | 5 | delinquency 2x band | delinquency rising |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze, delinquency 2x band |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | auto monoline |  |
| 2022-09 | 6 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2022-12 | 6 |  |  |
| 2023-03 | 4 |  | delinquency 2x band, delinquency rising |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | assets shrinking |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | members leaving |  |
| 2024-09 | 3 |  | auto monoline |
| 2024-12 | 4 | net worth falling |  |
| 2025-03 | 3 |  | members leaving |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | net worth falling |  |
| 2026-03 | 3 |  |  |

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

- 2020-08-20 [Sunbelt Credit Union cuts ribbon on Hattiesburg branch - WDAM-TV](https://news.google.com/rss/articles/CBMijAFBVV95cUxPYzRTSUZOZzhkSURjUk1LRWtSc3ZybkpHNjZqTzdzREJIUGNvTjBCYjA3Mlc2YzItUlNwYlpQLWxYQXlaWXV5QjBvM0Y2TzdvWmF1Ql91NXdncEI4Q1BuWkFXQXFCSjhVcUROeFNpVWJ6TllkOWs4QnZWa3daZl9ETHJ5em1maDNGNDM4Y9IBoAFBVV95cUxQZ0xiM0FoUWlzUG9UaW83VjRlU1ZaSGgzRFZ1NkVfQXNRSlV2UHhTb3ZwWnhyR1VDdmZ2eU54UVQ3dmRsWW5lRmJUSjVtYV9ZeG5lUjFDWldVWnJReE9JS1ZpNzRYU09VNEhnUUtPZ1lveGFfanA1eVRkaEdzYU5neUJxZVl4ZEF1Ymg0aWdPdkNwb0p3WGZIQlZoLWE4MkNq?oc=5) · WDAM-TV
- 2016-07-11 [Hattiesburg bank robbed Monday morning - Hattiesburg American](https://news.google.com/rss/articles/CBMinwFBVV95cUxObmlSMFRfT19oWV9yZTZkY1J2dm1pZC1EdnB3U19KTGpPTXB3VEJUMzFrcnhxczhlV0o3a3NIVFFOMHBmNW9OVjg4d2FNNWxZSVIzalNOUmFQLUp5UElCb0g1a3g5Rlc5ZDhaMUhFMG5wazJKd3ZrOTBlWjMyRy1VVW5jRC1GRm41Qnl3QnBRb1V4MmZ6Ulp0em55MnYzMHM?oc=5) · Hattiesburg American
- 2019-04-04 [Sunbelt FCU to open new center in Hattiesburg - WDAM-TV](https://news.google.com/rss/articles/CBMifEFVX3lxTFBjY24wSDFSUzNkWUp6Qjh0S1NadG0tSXJrRGxCYmlYX2UweDVuNnNlM2J2Tmw4RHJsRkU4a2pkUDFMRmxQMGFIakRCcF94UHpJV011ZTlUeXJSc2NNcnBkUWZrZU85N1pBV2VKcW1TTjJ5aWUwQkl1LXI5MXPSAZABQVVfeXFMUC1uQWcxWXd1R0lwa1FYOHV4Rjh3bjhVWnNjZFE3dldVcXhFLVFGVjJxXzRzc0pGcDluRlhfNHJ6UlZ2MThrVktxV181R3VraURVQnF0TXFTdWlEdGF5QU5QTUx1elZXUWtSYnJMYkoxU1NvZjhveGN3cWdpeVQxcjkzSm85Yk94UTFBV0lIN1Nt?oc=5) · WDAM-TV
- 2026-08-10 [Connie Butler Obituary | Moore Funeral Service | Hattiesburg, MS - Tribute Archive](https://news.google.com/rss/articles/CBMickFVX3lxTFBUQWZCYjNPN2t4Y0laZFdycXZSU2wzNHkxcnJaV2x0Z21CV3NTOTg0QmRWSk1iVi1YWk9CcldLWTIxR2pEOEJRVFM3d2hDRjE0MFYybUVUd3lCTlhLU1E1ZGg4c0hVRHUxcHl0clJVVXBlZw?oc=5) · Tribute Archive
- 2016-07-11 [Video | Hattiesburg Bank robbery - Hattiesburg American](https://news.google.com/rss/articles/CBMid0FVX3lxTFBuQ00yQk1lNmhzbHpvd01hX0FMREl4OFJsVWFEZG9HanRuVzZBblZqanJXVWk1N3pTMUI1Qm16WGVMcGNzdGxzLWYtVEpCRTJ0Q3FVQm5Ya3hGTUJBVkZFNC1Jbms4QUczQVRXSWswZVg5RDdVWFkw?oc=5) · Hattiesburg American
- 2016-05-20 [GOOD GOLLY, MISS DOLLIE! - Laurel Leader-Call](https://news.google.com/rss/articles/CBMisAFBVV95cUxNeUJZR1ptbWhEdWNsdzVmV2tVTDdnRnp4V3FMOG9qcHViN2VrSEdaT1duRHVDUW5xWHUzOTJPUkVWei1nbVEzMkV1WkxyUEFhbk1QRE44UHVfcjdIZkVpWlRqRGpSMUJmcWRMbmtwZjIweldYV2VsdktMSm4yZ014SjdXRDdwcEhVRmhKbDZLQkFYbXNocmJkaHkzYXF0bEtuc1ktcWVZLWZQTHoxaE93Tw?oc=5) · Laurel Leader-Call
- 2016-07-11 [1 in custody following Hub City bank robbery - WDAM-TV](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPS0U2dE1WdDF4QkF1cUtsVzdsakRzNG80RExLNEYwOGdzdGZnRTBrUG1LRGlfcGs0SkJjVUhPQWMzZVRaX3g4bmZnOTg2NE1hbzFBcndWRjVCYVJsLVJCck9KU2F5ZUo1bGVIYmJvVjNUa1dPTmszb0xDQzlVU3ZMWFZPRE0tOGlr0gGbAUFVX3lxTE1ucXlNSWhkMFdRa05FVG5YdTMxeDlEcExOUFJXVzFpZlJRZ0hRdWhEUUZ3am50RkkyX3lidGFjUEJTSnVFaWF4WDhqc1ZOZVFUalAtRUtzbFhNQ0lVVEh0ZlhyaWt5aVdtQWZNaUJORURGdFRqWUxwSVR0WFFsVEJLMW5UNk44MVUtUzNDRUtnMnJjSFpMOVBmMUJv?oc=5) · WDAM-TV
- 2015-06-03 [Slinger from Stringer prison-bound for meth - Laurel Leader-Call](https://news.google.com/rss/articles/CBMizAFBVV95cUxNUnYzZ0l3X3Uta2pxRlJfVWk0QjNZRTR6WUw4RUhweE12MHNIaUpIZUlmYlB1UDdZdkdlcVc0UGVZMlhaYlRpNFN1dnR3dHNfVmVleDhnU3FWR0JvZzZfOHRfeXl4blR3SG9EOHF5R1dXRGtpa2R0ME1fZUh1MFVxSHB5dGhnNmlHREdsdDdRSTJCNzVORENpbEstNGZBRGNfUW51MENBa1o1OTlabG9Yc1lnVVR4alNMODlEcDBVa2loVDVCV0RQSGNROFk?oc=5) · Laurel Leader-Call

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8905 (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/9.json (key "8905", 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=8905
- 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