Side-by-side · Q2 2026 data
First Neshoba Federal Credit Union vs Choctaw Federal Credit Union
Credit union
First Neshoba Federal Credit Union
Philadelphia, Mississippi · Under $100 million in assets
Metric by metric
| Measure | First Neshoba Federal Credit Union | Choctaw Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 55 |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 70 (stronger) | 17 |
| Earnings | 72 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 80 |
| Problem-loan coverage | 95 (stronger) | 89 |
| Peer percentile | 68th | 15th |
| Total assets | $24.6M | $2.8M |
| Deposits / shares | $21.1M | $2.1M |
| Capital ratio | 13.24% | 25.92% (stronger) |
| Problem loans | 0.91% (stronger) | 2.49% |
| Net charge-offs | 0.52% (stronger) | 0.99% |
| Return on assets | 1.30% (stronger) | -4.63% |
| Loans ÷ deposits | 42.2% (stronger) | 80.0% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Neshoba Federal Credit Union has the higher TellerScore (81 vs 55). On the 6 directional measures above (where higher or lower is clearly better), First Neshoba Federal Credit Union leads on 5 and Choctaw Federal Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.