TellerScore

Singing River Federal Credit Union is a federal credit union headquartered in Moss Point, Mississippi, in business for about 73 years. At the end of Q2 2026 it reported $397.4M in total assets and $348.3M in member shares and deposits, with 3 offices.

Singing River Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 45% of its 1,341 credit unions with $100 million – $1 billion. Among 55 credit unions headquartered in Mississippi, it ranks 34th. Problem-loan coverage contributes the most (91/100, 4.3%); earnings contributes the least (46/100, 0.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Net worth ratio: 11.41%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.55%
Earnings46/100
Return on assets (annualized): 0.66%
Funding & liquidity67/100
Loans ÷ shares: 93.2% · 9.8% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.30%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 68).

TellerScore
657075Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202471
Q4 202471
Q1 202565
Q2 202568
Q3 202569
Q4 202568
Q1 202675
Q2 202668
Net worth ratio
7.00%9.25%11.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.29%
Q3 202411.09%
Q4 202411.49%
Q1 202510.97%
Q2 202511.25%
Q3 202511.42%
Q4 202511.21%
Q1 202611.35%
Q2 202611.41%
Delinquent loans (60+ days)
0.32%0.45%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.43%
Q3 20240.37%
Q4 20240.44%
Q1 20250.58%
Q2 20250.43%
Q3 20250.32%
Q4 20250.40%
Q1 20260.58%
Q2 20260.55%
Return on assets
0.36%0.95%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.02%
Q3 20240.94%
Q4 20240.98%
Q1 20250.36%
Q2 20250.60%
Q3 20250.61%
Q4 20250.57%
Q1 20261.54%
Q2 20260.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$397.4M11.41%0.55%0.66%93.2%
Q1 202675$402.5M11.35%0.58%1.54%91.9%
Q4 202568$393.6M11.21%0.40%0.57%93.7%
Q3 202569$385.4M11.42%0.32%0.61%94.7%
Q2 202568$385.8M11.25%0.43%0.60%92.9%
Q1 202565$389.2M10.97%0.58%0.36%89.2%
Q4 202471$323.1M11.49%0.44%0.98%95.7%
Q3 202471$330.8M11.09%0.37%0.94%92.8%
Q2 202472$318.6M11.29%0.43%1.02%95.9%

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 ratio11.41%
50th
Problem loans0.55%
61st
Net charge-offs1.35%
5th
Return on assets0.66%
43rd
Loans to deposits93.2%
11th
Uninsured deposits9.8%
18th
Loan-loss reserves0.00%
50th
Texas ratio4.3%
47th

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
Sunbelt Federal Credit UnionCredit union Hattiesburg, MS85 out of 100, Very strong$366.4M16.2%0.39%vs
Mutual Federal Credit UnionCredit union Vicksburg, MS84 out of 100, Strong$528.5M14.0%1.08%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
Rivertrust Federal Credit UnionCredit union Pearl, MS84 out of 100, Strong$167.8M19.3%0.60%vs

Deposit insurance

Is my money safe at Singing River Federal Credit Union?

Yes. Singing River Federal Credit Union is a federally insured credit union (NCUA charter #8694). 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 9.8% of shares and deposits ($34.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.41%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Singing River Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Singing River Federal Credit Union reported 93 home-loan applications under HMDA (LEI 2549005WP4EISHQKDS45): 66 originated ($13,540,000 total), 13 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Singing River Federal Credit Union
Type
Federal credit union
NCUA charter #
8694
RSSD ID
291086
Primary regulator
NCUA
Established
1953
Headquarters
6006 Highway 63, Moss Point, MS 39563
Employees
105

Quick answers

Singing River Federal Credit Union: common questions

Is Singing River Federal Credit Union NCUA insured?

Yes. Singing River Federal Credit Union is a federally insured credit union (NCUA charter #8694). 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 Singing River Federal Credit Union's TellerScore?

68 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 Singing River Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Moss Point

InstitutionScoreAssetsCapitalProblem loansCompare
University of South Alabama Federal Credit UnionCredit union Mobile, AL96 out of 100, Very strong$56.2M16.4%0.49%vs
Family Security Credit UnionCredit union Decatur, AL95 out of 100, Very strong$1.1B19.9%0.61%vs
Navigator Federal Credit UnionCredit union Pascagoula, MS90 out of 100, Very strong$406.7M18.0%0.38%vs
Gulf Trust Federal Credit UnionCredit union Pascagoula, MS88 out of 100, Very strong$25.5M21.8%0.03%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs
Mobile Educators Credit UnionCredit union Mobile, AL84 out of 100, Strong$113.2M13.2%0.74%vs