TellerScore

Headquartered in Boyle, Mississippi, Shelby/Bolivar County Federal Credit Union is a federal credit union with $4.5M in total assets and $3.5M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1955.

Shelby/Bolivar County Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 42% of its 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 30th. Capital cushion contributes the most (100/100, 20.25%); loan quality contributes the least (0/100, 5.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.25%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 5.89%
Earnings85/100
Return on assets (annualized): 1.61%
Funding & liquidity100/100
Loans ÷ shares: 28.9% · 0.0% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.15%

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 2 points (73 → 71), mostly because the earnings component weakened by 15 points.

TellerScore
536373Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202454
Q4 202457
Q1 202553
Q2 202573
Q3 202563
Q4 202564
Q1 202670
Q2 202671
Net worth ratio
7.00%14.07%21.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.86%
Q3 202419.31%
Q4 202419.72%
Q1 202519.30%
Q2 202521.15%
Q3 202519.03%
Q4 202519.21%
Q1 202618.98%
Q2 202620.25%
Delinquent loans (60+ days)
3.28%7.12%10.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20248.76%
Q3 20248.11%
Q4 202410.97%
Q1 20256.20%
Q2 20253.28%
Q3 20253.98%
Q4 20254.75%
Q1 20266.18%
Q2 20265.89%
Return on assets
-0.67%1.67%4.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.11%
Q3 2024-0.37%
Q4 20240.08%
Q1 2025-0.67%
Q2 20254.01%
Q3 20250.64%
Q4 20250.89%
Q1 20261.57%
Q2 20261.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$4.5M20.25%5.89%1.61%28.9%
Q1 202670$4.7M18.98%6.18%1.57%28.2%
Q4 202564$4.6M19.21%4.75%0.89%30.9%
Q3 202563$4.5M19.03%3.98%0.64%34.3%
Q2 202573$4.1M21.15%3.28%4.01%36.9%
Q1 202553$4.3M19.30%6.20%-0.67%35.6%
Q4 202457$4.2M19.72%10.97%0.08%34.8%
Q3 202454$4.2M19.31%8.11%-0.37%35.5%
Q2 202465$4.3M19.86%8.76%1.11%37.2%

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).

Capital ratio20.25%
78th
Problem loans5.89%
5th
Net charge-offs-1.40%
99th
Return on assets1.61%
88th
Loans to deposits28.9%
90th
Uninsured deposits0.0%
81st
Loan-loss reserves3.75%
95th
Texas ratio7.2%
21st

Similar-size credit unions in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
Meridian Postal Federal Credit UnionCredit union Meridian, MS86 out of 100, Very strong$4.4M23.0%0.00%vs
Muw Federal Credit UnionCredit union Columbus, MS43 out of 100, Below average$4.4M9.6%3.49%vs
Water'S Edge Federal Credit UnionCredit union Biloxi, MS49 out of 100, Below average$5.0M7.2%1.12%vs
Community Partners Federal Credit UnionCredit union Newton, MS60 out of 100, Moderate$5.3M9.2%0.25%vs
Tombigbee Federal Credit UnionCredit union Amory, MS87 out of 100, Very strong$5.5M19.4%1.18%vs
Memorial Federal Credit UnionCredit union Gulfport, MS84 out of 100, Strong$5.9M38.3%0.16%vs

Deposit insurance

Is my money safe at Shelby/Bolivar County Federal Credit Union?

Yes. Shelby/Bolivar County Federal Credit Union is a federally insured credit union (NCUA charter #9974). 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 20.25%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Shelby/Bolivar County Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • Boyle, MS (1)
  • Shelby, MS (1)

All branch addresses and map

Identity & history

Profile

Legal name
Shelby/Bolivar County Federal Credit Union
Type
Federal credit union
NCUA charter #
9974
RSSD ID
963383
Primary regulator
NCUA
Established
1955
Headquarters
630 Gaines Hwy, Boyle, MS 38730
Employees
4

Quick answers

Shelby/Bolivar County Federal Credit Union: common questions

Is Shelby/Bolivar County Federal Credit Union NCUA insured?

Yes. Shelby/Bolivar County Federal Credit Union is a federally insured credit union (NCUA charter #9974). 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 Shelby/Bolivar County Federal Credit Union's TellerScore?

71 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 Shelby/Bolivar County Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Boyle

InstitutionScoreAssetsCapitalProblem loansCompare
Delta Federal Credit UnionCredit union Greenville, MS98 out of 100, Very strong$8.9M29.2%0.27%vs
The Jefferson BankBank Greenville, MS90 out of 100, Very strong$210.8M16.6%0.38%vs
The Cleveland State BankBank Cleveland, MS76 out of 100, Strong$340.2M11.2%0.26%vs
Planters Bank & Trust CompanyBank Indianola, MS71 out of 100, Strong$2.7B11.2%0.61%vs
BankPlusBank Belzoni, MS71 out of 100, Strong$8.4B10.8%0.64%vs
Statewide Federal Credit UnionCredit union Flowood, MS68 out of 100, Moderate$211.4M9.5%0.59%vs