Citizens Choice Federal Credit Union (NCUA charter #17715) is based in Natchez, Mississippi. Its Q2 2026 call report shows $679K in total assets and $676K in member shares and deposits and 1 office.
Citizens Choice Federal Credit Union has a TellerScore of 25 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 54th. Funding & liquidity contributes the most (100/100, 49% loans-to-deposits, 0% uninsured); earnings contributes the least (0/100, -9.66%).
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 rose 10 points (15 → 25), mostly because the problem-loan coverage component improved by 100 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 43 |
| Q3 2024 | 43 |
| Q4 2024 | 23 |
| Q1 2025 | 20 |
| Q2 2025 | 15 |
| Q3 2025 | 15 |
| Q4 2025 | 15 |
| Q1 2026 | 15 |
| Q2 2026 | 25 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.35% |
| Q3 2024 | 6.83% |
| Q4 2024 | 4.73% |
| Q1 2025 | 5.98% |
| Q2 2025 | 4.66% |
| Q3 2025 | 4.46% |
| Q4 2025 | 3.93% |
| Q1 2026 | 2.36% |
| Q2 2026 | -0.68% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.87% |
| Q3 2024 | 1.27% |
| Q4 2024 | 2.72% |
| Q1 2025 | 7.93% |
| Q2 2025 | 6.63% |
| Q3 2025 | 5.73% |
| Q4 2025 | 9.43% |
| Q1 2026 | 9.83% |
| Q2 2026 | 5.66% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -3.34% |
| Q3 2024 | -4.97% |
| Q4 2024 | -5.23% |
| Q1 2025 | -0.30% |
| Q2 2025 | -2.86% |
| Q3 2025 | -3.29% |
| Q4 2025 | -4.05% |
| Q1 2026 | -6.72% |
| Q2 2026 | -9.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 25 | $679K | -0.68% | 5.66% | -9.66% | 49.0% |
| Q1 2026 | 15 | $697K | 2.36% | 9.83% | -6.72% | 49.3% |
| Q4 2025 | 15 | $668K | 3.93% | 9.43% | -4.05% | 57.2% |
| Q3 2025 | 15 | $769K | 4.46% | 5.73% | -3.29% | 54.5% |
| Q2 2025 | 15 | $779K | 4.66% | 6.63% | -2.86% | 52.6% |
| Q1 2025 | 20 | $783K | 5.98% | 7.93% | -0.30% | 55.9% |
| Q4 2024 | 23 | $949K | 4.73% | 2.72% | -5.23% | 49.2% |
| Q3 2024 | 43 | $948K | 6.83% | 1.27% | -4.97% | 46.8% |
| Q2 2024 | 43 | $999K | 8.35% | 1.87% | -3.34% | 49.8% |
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 |
|---|---|---|---|---|---|
| Issaquena County Federal Credit UnionCredit union Mayersville, MS | 69 out of 100, Moderate | $870K | 14.2% | 8.94% | vs |
| Natchez Educators Federal Credit UnionCredit union Natchez, MS | 61 out of 100, Moderate | $1.3M | 50.6% | 1.78% | vs |
| Pearl Municipal Federal Credit UnionCredit union Pearl, MS | 74 out of 100, Strong | $2.0M | 26.4% | 0.84% | vs |
| Mississippi College Employees Federal Credit UnionCredit union Clinton, MS | 61 out of 100, Moderate | $2.1M | 25.4% | 7.53% | vs |
| Choctaw Federal Credit UnionCredit union Choctaw, MS | 55 out of 100, Moderate | $2.8M | 25.9% | 2.49% | vs |
| Muw Federal Credit UnionCredit union Columbus, MS | 43 out of 100, Below average | $4.4M | 9.6% | 3.49% | vs |
Deposit insurance
Is my money safe at Citizens Choice Federal Credit Union?
Yes. Citizens Choice Federal Credit Union is a federally insured credit union (NCUA charter #17715). 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 -0.68%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Citizens Choice Federal Credit Union lists 1 office in 1 city. Most locations:
- Natchez, MS (1)
Identity & history
Profile
- Legal name
- Citizens Choice Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 17715
- RSSD ID
- 460882
- Primary regulator
- NCUA
- Established
- 1966
- Headquarters
- PO Box 17879, Natchez, MS 39122
- Employees
- 2
Quick answers
Citizens Choice Federal Credit Union: common questions
Is Citizens Choice Federal Credit Union NCUA insured?
Yes. Citizens Choice Federal Credit Union is a federally insured credit union (NCUA charter #17715). 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 Citizens Choice Federal Credit Union's TellerScore?
25 out of 100 (Low), 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 Citizens Choice Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Natchez
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Mississippi BankBank Natchez, MS | 75 out of 100, Strong | $560.7M | 11.0% | 0.19% | vs |
| Home Bank, National AssociationBank Lafayette, LA | 70 out of 100, Strong | $3.6B | 12.1% | 0.95% | vs |
| Bank of FranklinBank Meadville, MS | 70 out of 100, Strong | $302.3M | 9.9% | 0.27% | vs |
| Delta BankBank Vidalia, LA | 67 out of 100, Moderate | $632.0M | 10.0% | 1.04% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |
| Tensas State BankBank Newellton, LA | 59 out of 100, Moderate | $185.5M | 13.9% | 3.43% | vs |