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Mississippi Credit Union Performance
How the 55 credit unions based in Mississippi are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Mississippi's 55 credit unions serve 820,906 members and hold $9.78B in combined assets. The median Mississippi credit union earned a 0.73% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Mississippi credit unions was 0.57%, compared with -0.55% nationally. Median one-year asset growth was 1.73%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Mississippi at a glance
Mississippi vs. the United States
System totals are the sum of every credit union based in Mississippi. The share column is Mississippi's portion of the national figure.
| Measure | Mississippi | United States | Mississippi share |
|---|---|---|---|
| Credit unions | 55 | 4,335 | 1.3% |
| Members | 820,906 | 147,031,529 | 0.6% |
| Residents (population) | 2,943,045 | 340,110,988 | 0.9% |
| Total assets | $9.78B | $2,507.50B | 0.4% |
| Total loans | $6.42B | $1,744.86B | 0.4% |
| Total shares & deposits | $7.87B | $2,143.21B | 0.4% |
| Total net worth | $1.30B | $282.23B | 0.5% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Mississippi credit unions report about 28 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Mississippi credit unions serve members in other states, so it overstates true in-state penetration.)
The median Mississippi credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Mississippi CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.73% | 0.66% |
| Net worth ratio | 15.96% | 12.44% |
| Loan-to-share ratio | 63.22% | 67.86% |
| Delinquency ratio | 0.81% | 0.63% |
| Net charge-off ratio | 0.66% | 0.33% |
| Cost of funds | 1.07% | 1.05% |
| Member growth (1 yr) | 0.57% | -0.55% |
| Asset growth (1 yr) | 1.73% | 2.78% |
| Loan growth (1 yr) | 0.01% | 0.63% |
| Share growth (1 yr) | 1.34% | 2.36% |
| Net worth growth (1 yr) | 4.81% | 5.57% |
Trends over time
The median Mississippi credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.86% · 0.72%
— Mississippi ‑‑ U.S.
Net worth ratio 16.62% · 12.46%
— Mississippi ‑‑ U.S.
Loan-to-share ratio 66.26% · 69.70%
— Mississippi ‑‑ U.S.
Delinquency ratio 0.99% · 0.72%
— Mississippi ‑‑ U.S.
Asset growth (1 yr) 2.49% · 3.26%
— Mississippi ‑‑ U.S.
Member growth (1 yr) 0.94% · -0.52%
— Mississippi ‑‑ U.S.
Mississippi leaderboards
Largest by assets
- 1 Keesler Credit Union $5.24B
- 2 Hope Community Credit Union $867.3M
- 3 Mutual Credit Union $517.3M
- 4 Singing River Credit Union $402.5M
- 5 Navigator Credit Union $398.8M
- 6 Central Sunbelt Credit Union $370.1M
- 7 Statewide Credit Union $210.0M
- 8 Magnolia Credit Union $188.1M
- 9 Mississippi Telco Credit Union $168.2M
- 10 Members Exchange Credit Union $143.5M
Highest return on assets
- 1 Navigator Credit Union 1.64%
- 2 Singing River Credit Union 1.57%
- 3 Magnolia Credit Union 1.53%
- 4 Mutual Credit Union 1.52%
- 5 Columbus Air Force Base Credit Union 1.23%
- 6 University of Southern Mississippi Credit Union 0.86%
- 7 Statewide Credit Union 0.78%
- 8 Keesler Credit Union 0.75%
- 9 Central Sunbelt Credit Union 0.73%
- 10 Members Exchange Credit Union 0.72%
Fastest-growing (organic)
- 1 Meridian Mutual Credit Union 16.94%
- 2 Central Sunbelt Credit Union 11.30%
- 3 Statewide Credit Union 7.99%
- 4 Columbus Air Force Base Credit Union 7.70%
- 5 Mississippi Postal Employees Credit Union 3.84%
- 6 Singing River Credit Union 3.41%
- 7 Members Exchange Credit Union 3.30%
- 8 Mississippi Telco Credit Union 2.82%
- 9 Gulf Coast Community Credit Union 2.73%
- 10 Ferguson Credit Union 1.13%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Mississippi that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.