TellerScore

Headquartered in Vicksburg, Mississippi, Mutual Federal Credit Union is a federal credit union with $528.5M in total assets and $458.9M in member shares and deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1931.

Mutual Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 1,341 credit unions with $100 million – $1 billion. Among 55 credit unions headquartered in Mississippi, it ranks 14th. Funding & liquidity contributes the most (96/100, 64% loans-to-deposits, 5% uninsured); loan quality contributes the least (64/100, 1.08%).

TellerScore · Q2 2026

Scorecard

Capital cushion90/100
Net worth ratio: 13.98%
Loan quality64/100
Loans 60+ days delinquent ÷ total loans: 1.08%
Earnings88/100
Return on assets (annualized): 1.69%
Funding & liquidity96/100
Loans ÷ shares: 64.1% · 5.4% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.10%

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 3 points (81 → 84), mostly because the earnings component improved by 24 points.

TellerScore
717884Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202474
Q4 202471
Q1 202582
Q2 202581
Q3 202581
Q4 202580
Q1 202684
Q2 202684
Net worth ratio
7.00%11.21%15.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.32%
Q3 202413.44%
Q4 202412.72%
Q1 202515.41%
Q2 202514.26%
Q3 202513.32%
Q4 202513.57%
Q1 202613.76%
Q2 202613.98%
Delinquent loans (60+ days)
0.73%1.10%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.08%
Q3 20241.46%
Q4 20241.17%
Q1 20250.92%
Q2 20250.99%
Q3 20250.73%
Q4 20251.05%
Q1 20260.85%
Q2 20261.08%
Return on assets
0.53%1.11%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.02%
Q3 20241.07%
Q4 20240.53%
Q1 20250.77%
Q2 20251.10%
Q3 20251.25%
Q4 20251.35%
Q1 20261.48%
Q2 20261.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$528.5M13.98%1.08%1.69%64.1%
Q1 202684$517.3M13.76%0.85%1.48%63.2%
Q4 202580$494.7M13.57%1.05%1.35%66.2%
Q3 202581$491.4M13.32%0.73%1.25%65.4%
Q2 202581$487.0M14.26%0.99%1.10%61.8%
Q1 202582$488.1M15.41%0.92%0.77%57.7%
Q4 202471$471.6M12.72%1.17%0.53%58.8%
Q3 202474$310.2M13.44%1.46%1.07%57.1%
Q2 202477$310.8M13.32%1.08%1.02%57.1%

1,341 peers · $100 million – $1 billion

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).

Capital ratio13.98%
78th
Problem loans1.08%
27th
Net charge-offs0.85%
14th
Return on assets1.69%
93rd
Loans to deposits64.1%
72nd
Uninsured deposits5.4%
55th
Loan-loss reserves0.00%
50th
Texas ratio5.1%
38th

Similar-size credit unions in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
Navigator Federal Credit UnionCredit union Pascagoula, MS90 out of 100, Very strong$406.7M18.0%0.38%vs
Singing River Federal Credit UnionCredit union Moss Point, MS68 out of 100, Moderate$397.4M11.4%0.55%vs
Sunbelt Federal Credit UnionCredit union Hattiesburg, MS85 out of 100, Very strong$366.4M16.2%0.39%vs
Statewide Federal Credit UnionCredit union Flowood, MS68 out of 100, Moderate$211.4M9.5%0.59%vs
Magnolia Federal Credit UnionCredit union Jackson, MS87 out of 100, Very strong$185.6M23.4%0.55%vs
Hope Federal Credit UnionCredit union Jackson, MS59 out of 100, Moderate$881.4M16.2%1.96%vs

Deposit insurance

Is my money safe at Mutual Federal Credit Union?

Yes. Mutual Federal Credit Union is a federally insured credit union (NCUA charter #24948). 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 5.4% of shares and deposits ($24.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.98%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Mutual Federal Credit Union lists 9 offices in 8 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Mutual Federal Credit Union
Type
Federal credit union
NCUA charter #
24948
RSSD ID
960298
Primary regulator
NCUA
Established
1931
Headquarters
PO Box 25, Vicksburg, MS 39181
Employees
128

Quick answers

Mutual Federal Credit Union: common questions

Is Mutual Federal Credit Union NCUA insured?

Yes. Mutual Federal Credit Union is a federally insured credit union (NCUA charter #24948). 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 Mutual Federal Credit Union's TellerScore?

84 out of 100 (Strong), 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 Mutual Federal Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Vicksburg

InstitutionScoreAssetsCapitalProblem loansCompare
Vickswood Federal Credit UnionCredit union Vicksburg, MS94 out of 100, Very strong$11.5M25.8%0.00%vs
RiverHills BankBank Vicksburg, MS82 out of 100, Strong$445.2M12.5%0.64%vs
Riverland Federal Credit UnionCredit union New Orleans, LA78 out of 100, Strong$319.7M15.8%0.55%vs
Vicksburg Railroad Federal Credit UnionCredit union Vicksburg, MS77 out of 100, Strong$12.0M32.8%0.52%vs
United Mississippi BankBank Natchez, MS75 out of 100, Strong$560.7M11.0%0.19%vs
Planters Bank & Trust CompanyBank Indianola, MS71 out of 100, Strong$2.7B11.2%0.61%vs