TellerScore

Sunbelt Federal Credit Union is a federal credit union headquartered in Hattiesburg, Mississippi, in business for about 73 years. At the end of Q2 2026 it reported $366.4M in total assets and $305.2M in member shares and deposits, with 9 offices.

Based on its Q2 2026 filing, Sunbelt Federal Credit Union scores 85/100, which we describe as very strong. That is higher than 87% of 1,341 credit unions with $100 million – $1 billion. Among 55 credit unions headquartered in Mississippi, it ranks 12th. Its strongest component is capital cushion (100/100; 16.22%), and its lowest is earnings (56/100; 0.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.22%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.39%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity82/100
Loans ÷ shares: 77.9% · 7.8% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.73%

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 (85 → 85).

TellerScore
808385Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202480
Q4 202480
Q1 202584
Q2 202585
Q3 202584
Q4 202584
Q1 202683
Q2 202685
Net worth ratio
7.00%12.69%18.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.37%
Q3 202417.79%
Q4 202417.41%
Q1 202516.70%
Q2 202516.85%
Q3 202516.82%
Q4 202516.58%
Q1 202615.78%
Q2 202616.22%
Delinquent loans (60+ days)
0.39%0.61%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.63%
Q3 20240.80%
Q4 20240.83%
Q1 20250.63%
Q2 20250.42%
Q3 20250.54%
Q4 20250.61%
Q1 20260.49%
Q2 20260.39%
Return on assets
0.60%0.81%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.64%
Q4 20240.60%
Q1 20250.91%
Q2 20250.85%
Q3 20251.01%
Q4 20251.03%
Q1 20260.69%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$366.4M16.22%0.39%0.90%77.9%
Q1 202683$370.1M15.78%0.49%0.69%74.6%
Q4 202584$348.3M16.58%0.61%1.03%76.7%
Q3 202584$337.3M16.82%0.54%1.01%77.0%
Q2 202585$333.5M16.85%0.42%0.85%73.4%
Q1 202584$332.5M16.70%0.63%0.91%69.8%
Q4 202480$314.5M17.41%0.83%0.60%70.3%
Q3 202480$305.6M17.79%0.80%0.64%71.5%
Q2 202482$296.1M18.37%0.63%0.65%72.4%

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 ratio16.22%
90th
Problem loans0.39%
75th
Net charge-offs1.06%
8th
Return on assets0.90%
60th
Loans to deposits77.9%
45th
Uninsured deposits7.8%
31st
Loan-loss reserves0.00%
50th
Texas ratio1.7%
79th

Similar-size credit unions in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
Singing River Federal Credit UnionCredit union Moss Point, MS68 out of 100, Moderate$397.4M11.4%0.55%vs
Navigator Federal Credit UnionCredit union Pascagoula, MS90 out of 100, Very strong$406.7M18.0%0.38%vs
Statewide Federal Credit UnionCredit union Flowood, MS68 out of 100, Moderate$211.4M9.5%0.59%vs
Mutual Federal Credit UnionCredit union Vicksburg, MS84 out of 100, Strong$528.5M14.0%1.08%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 Sunbelt Federal Credit Union?

Yes. Sunbelt Federal Credit Union is a federally insured credit union (NCUA charter #8905). 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 7.8% of shares and deposits ($23.9M) 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 16.22%, 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

Sunbelt Federal Credit Union lists 9 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Sunbelt Federal Credit Union reported 111 home-loan applications under HMDA (LEI 549300167EZ5P8B06R34): 59 originated ($9,025,000 total), 24 denied, and 28 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.9%, 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
Sunbelt Federal Credit Union
Type
Federal credit union
NCUA charter #
8905
RSSD ID
303381
Primary regulator
NCUA
Established
1953
Headquarters
6885 U S Highway 49, Hattiesburg, MS 39402
Employees
106

Quick answers

Sunbelt Federal Credit Union: common questions

Is Sunbelt Federal Credit Union NCUA insured?

Yes. Sunbelt Federal Credit Union is a federally insured credit union (NCUA charter #8905). 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 Sunbelt Federal Credit Union's TellerScore?

85 out of 100 (Very 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 Sunbelt Federal Credit Union have?

9 offices as of the latest NCUA data.