TellerScore

Headquartered in Amory, Mississippi, Tombigbee Federal Credit Union is a federal credit union with $5.5M in total assets and $4.4M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1966.

Tombigbee Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 83% of its 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 10th. Capital cushion contributes the most (100/100, 19.37%); loan quality contributes the least (61/100, 1.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.37%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.18%
Earnings89/100
Return on assets (annualized): 1.72%
Funding & liquidity98/100
Loans ÷ shares: 62.4% · 0.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.97%

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 (87 → 87).

TellerScore
738291Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202477
Q4 202487
Q1 202588
Q2 202587
Q3 202591
Q4 202576
Q1 202686
Q2 202687
Net worth ratio
7.00%13.19%19.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.09%
Q3 202415.32%
Q4 202416.39%
Q1 202516.84%
Q2 202517.57%
Q3 202518.41%
Q4 202518.46%
Q1 202619.07%
Q2 202619.37%
Delinquent loans (60+ days)
1.00%1.52%2.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.44%
Q3 20241.27%
Q4 20241.10%
Q1 20251.29%
Q2 20251.49%
Q3 20251.00%
Q4 20252.04%
Q1 20261.32%
Q2 20261.18%
Return on assets
0.27%1.31%2.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.27%
Q3 20240.59%
Q4 20241.60%
Q1 20251.92%
Q2 20252.35%
Q3 20251.91%
Q4 20251.35%
Q1 20261.77%
Q2 20261.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$5.5M19.37%1.18%1.72%62.4%
Q1 202686$5.5M19.07%1.32%1.77%62.1%
Q4 202576$5.5M18.46%2.04%1.35%62.0%
Q3 202591$5.6M18.41%1.00%1.91%61.4%
Q2 202587$5.8M17.57%1.49%2.35%58.1%
Q1 202588$5.8M16.84%1.29%1.92%57.9%
Q4 202487$5.8M16.39%1.10%1.60%60.9%
Q3 202477$5.7M15.32%1.27%0.59%61.9%
Q2 202473$5.7M15.09%1.44%0.27%61.6%

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 ratio19.37%
75th
Problem loans1.18%
35th
Net charge-offs-0.07%
92nd
Return on assets1.72%
90th
Loans to deposits62.4%
45th
Uninsured deposits0.0%
81st
Loan-loss reserves1.05%
83rd
Texas ratio3.0%
43rd

Similar-size credit unions in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
Community Partners Federal Credit UnionCredit union Newton, MS60 out of 100, Moderate$5.3M9.2%0.25%vs
Memorial Federal Credit UnionCredit union Gulfport, MS84 out of 100, Strong$5.9M38.3%0.16%vs
Water'S Edge Federal Credit UnionCredit union Biloxi, MS49 out of 100, Below average$5.0M7.2%1.12%vs
Shelby/Bolivar County Federal Credit UnionCredit union Boyle, MS71 out of 100, Strong$4.5M20.3%5.89%vs
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

Deposit insurance

Is my money safe at Tombigbee Federal Credit Union?

Yes. Tombigbee Federal Credit Union is a federally insured credit union (NCUA charter #17681). 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 19.37%, 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

Tombigbee Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Tombigbee Federal Credit Union
Type
Federal credit union
NCUA charter #
17681
RSSD ID
519687
Primary regulator
NCUA
Established
1966
Headquarters
P O Drawer 539, Amory, MS 38821
Employees
3

Quick answers

Tombigbee Federal Credit Union: common questions

Is Tombigbee Federal Credit Union NCUA insured?

Yes. Tombigbee Federal Credit Union is a federally insured credit union (NCUA charter #17681). 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 Tombigbee Federal Credit Union's TellerScore?

87 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 Tombigbee Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Amory

InstitutionScoreAssetsCapitalProblem loansCompare
First National BankBank Hamilton, AL97 out of 100, Very strong$372.7M19.0%0.25%vs
N. Mississippi Health Services Emp. Federal Credit UnionCredit union Tupelo, MS97 out of 100, Very strong$14.0M20.9%0.00%vs
First State Bank of the South, Inc.Bank Sulligent, AL89 out of 100, Very strong$130.7M16.4%0.24%vs
The Bank of VernonBank Vernon, AL85 out of 100, Very strong$445.4M16.6%0.47%vs
Community Spirit BankBank Red Bay, AL77 out of 100, Strong$228.8M9.7%0.00%vs
Farmers and Merchants BankBank Baldwyn, MS77 out of 100, Strong$565.8M14.2%1.69%vs