Choctaw Federal Credit Union (NCUA charter #22314) is based in Choctaw, Mississippi. Its Q2 2026 call report shows $2.8M in total assets and $2.1M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Choctaw Federal Credit Union scores 55/100, which we describe as moderate. That is higher than only 15% of 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 47th. Its strongest component is capital cushion (100/100; 25.92%), and its lowest is earnings (0/100; -4.63%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 15 points (70 → 55), mostly because the earnings component weakened by 100 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 52 |
| Q4 2024 | 54 |
| Q1 2025 | 72 |
| Q2 2025 | 70 |
| Q3 2025 | 68 |
| Q4 2025 | 70 |
| Q1 2026 | 60 |
| Q2 2026 | 55 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 25.28% |
| Q3 2024 | 26.06% |
| Q4 2024 | 26.55% |
| Q1 2025 | 28.99% |
| Q2 2025 | 30.26% |
| Q3 2025 | 30.58% |
| Q4 2025 | 27.80% |
| Q1 2026 | 25.86% |
| Q2 2026 | 25.92% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 3.52% |
| Q4 2024 | 2.77% |
| Q1 2025 | 3.17% |
| Q2 2025 | 5.72% |
| Q3 2025 | 6.13% |
| Q4 2025 | 2.94% |
| Q1 2026 | 1.91% |
| Q2 2026 | 2.49% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -4.39% |
| Q3 2024 | -4.04% |
| Q4 2024 | -4.16% |
| Q1 2025 | 25.81% |
| Q2 2025 | 12.61% |
| Q3 2025 | 6.88% |
| Q4 2025 | 3.23% |
| Q1 2026 | -4.58% |
| Q2 2026 | -4.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $2.8M | 25.92% | 2.49% | -4.63% | 80.0% |
| Q1 2026 | 60 | $2.9M | 25.86% | 1.91% | -4.58% | 79.7% |
| Q4 2025 | 70 | $2.9M | 27.80% | 2.94% | 3.23% | 87.5% |
| Q3 2025 | 68 | $2.8M | 30.58% | 6.13% | 6.88% | 89.9% |
| Q2 2025 | 70 | $2.9M | 30.26% | 5.72% | 12.61% | 80.1% |
| Q1 2025 | 72 | $3.1M | 28.99% | 3.17% | 25.81% | 71.6% |
| Q4 2024 | 54 | $2.6M | 26.55% | 2.77% | -4.16% | 74.8% |
| Q3 2024 | 52 | $2.7M | 26.06% | 3.52% | -4.04% | 74.5% |
| Q2 2024 | 72 | $2.9M | 25.28% | 0.66% | -4.39% | 77.6% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mississippi College Employees Federal Credit UnionCredit union Clinton, MS | 61 out of 100, Moderate | $2.1M | 25.4% | 7.53% | vs |
| Pearl Municipal Federal Credit UnionCredit union Pearl, MS | 74 out of 100, Strong | $2.0M | 26.4% | 0.84% | vs |
| Natchez Educators Federal Credit UnionCredit union Natchez, MS | 61 out of 100, Moderate | $1.3M | 50.6% | 1.78% | vs |
| Muw Federal Credit UnionCredit union Columbus, MS | 43 out of 100, Below average | $4.4M | 9.6% | 3.49% | vs |
| Meridian Postal Federal Credit UnionCredit union Meridian, MS | 86 out of 100, Very strong | $4.4M | 23.0% | 0.00% | vs |
| Shelby/Bolivar County Federal Credit UnionCredit union Boyle, MS | 71 out of 100, Strong | $4.5M | 20.3% | 5.89% | vs |
Deposit insurance
Is my money safe at Choctaw Federal Credit Union?
Yes. Choctaw Federal Credit Union is a federally insured credit union (NCUA charter #22314). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 25.92%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Choctaw Federal Credit Union lists 1 office in 1 city. Most locations:
- Choctaw, MS (1)
Identity & history
Profile
- Legal name
- Choctaw Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 22314
- RSSD ID
- 537887
- Primary regulator
- NCUA
- Established
- 1976
- Headquarters
- Po Box 6284, Choctaw, MS 39350
- Employees
- 3
Quick answers
Choctaw Federal Credit Union: common questions
Is Choctaw Federal Credit Union NCUA insured?
Yes. Choctaw Federal Credit Union is a federally insured credit union (NCUA charter #22314). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Choctaw Federal Credit Union's TellerScore?
55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Choctaw Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Choctaw
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Neshoba Federal Credit UnionCredit union Philadelphia, MS | 81 out of 100, Strong | $24.6M | 13.2% | 0.91% | vs |
| The Commercial BankBank De Kalb, MS | 72 out of 100, Strong | $295.5M | 10.6% | 0.25% | vs |
| The Citizens National Bank of MeridianBank Meridian, MS | 70 out of 100, Strong | $1.9B | 11.3% | 0.87% | vs |
| The Bank of ForestBank Forest, MS | 68 out of 100, Moderate | $296.3M | 10.9% | 1.30% | vs |
| The Citizens Bank of Philadelphia, MississippiBank Philadelphia, MS | 66 out of 100, Moderate | $1.6B | 9.1% | 0.47% | vs |
| Renasant BankBank Tupelo, MS | 64 out of 100, Moderate | $27.0B | 10.7% | 0.96% | vs |