Headquartered in Biloxi, Mississippi, Water'S Edge Federal Credit Union is a federal credit union with $5.0M in total assets and $4.4M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1953.
Water'S Edge Federal Credit Union has a TellerScore of 49 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 49th. Funding & liquidity contributes the most (100/100, 58% loans-to-deposits, 0% uninsured); earnings contributes the least (18/100, -0.05%).
TellerScore · Q2 2026
Scorecard
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 5 points (54 → 49), mostly because the loan quality component weakened by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 52 |
| Q3 2024 | 44 |
| Q4 2024 | 27 |
| Q1 2025 | 56 |
| Q2 2025 | 54 |
| Q3 2025 | 51 |
| Q4 2025 | 22 |
| Q1 2026 | 47 |
| Q2 2026 | 49 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.53% |
| Q3 2024 | 7.66% |
| Q4 2024 | 7.36% |
| Q1 2025 | 7.30% |
| Q2 2025 | 7.38% |
| Q3 2025 | 7.49% |
| Q4 2025 | 6.90% |
| Q1 2026 | 6.97% |
| Q2 2026 | 7.16% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 1.73% |
| Q4 2024 | 3.96% |
| Q1 2025 | 0.64% |
| Q2 2025 | 0.76% |
| Q3 2025 | 1.25% |
| Q4 2025 | 6.83% |
| Q1 2026 | 1.10% |
| Q2 2026 | 1.12% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.44% |
| Q3 2024 | -0.20% |
| Q4 2024 | -0.57% |
| Q1 2025 | 0.10% |
| Q2 2025 | -0.02% |
| Q3 2025 | 0.17% |
| Q4 2025 | -0.51% |
| Q1 2026 | -0.30% |
| Q2 2026 | -0.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 49 | $5.0M | 7.16% | 1.12% | -0.05% | 58.2% |
| Q1 2026 | 47 | $5.1M | 6.97% | 1.10% | -0.30% | 54.0% |
| Q4 2025 | 22 | $5.2M | 6.90% | 6.83% | -0.51% | 55.7% |
| Q3 2025 | 51 | $5.4M | 7.49% | 1.25% | 0.17% | 56.8% |
| Q2 2025 | 54 | $5.3M | 7.38% | 0.76% | -0.02% | 58.0% |
| Q1 2025 | 56 | $5.3M | 7.30% | 0.64% | 0.10% | 59.2% |
| Q4 2024 | 27 | $5.3M | 7.36% | 3.96% | -0.57% | 60.5% |
| Q3 2024 | 44 | $5.4M | 7.66% | 1.73% | -0.20% | 62.3% |
| Q2 2024 | 52 | $5.4M | 7.53% | 0.47% | -0.44% | 67.7% |
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).
Similar-size credit unions in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community Partners Federal Credit UnionCredit union Newton, MS | 60 out of 100, Moderate | $5.3M | 9.2% | 0.25% | vs |
| Tombigbee Federal Credit UnionCredit union Amory, MS | 87 out of 100, Very strong | $5.5M | 19.4% | 1.18% | vs |
| Shelby/Bolivar County Federal Credit UnionCredit union Boyle, MS | 71 out of 100, Strong | $4.5M | 20.3% | 5.89% | vs |
| Meridian Postal Federal Credit UnionCredit union Meridian, MS | 86 out of 100, Very strong | $4.4M | 23.0% | 0.00% | vs |
| Muw Federal Credit UnionCredit union Columbus, MS | 43 out of 100, Below average | $4.4M | 9.6% | 3.49% | vs |
| Memorial Federal Credit UnionCredit union Gulfport, MS | 84 out of 100, Strong | $5.9M | 38.3% | 0.16% | vs |
Deposit insurance
Is my money safe at Water'S Edge Federal Credit Union?
Yes. Water'S Edge Federal Credit Union is a federally insured credit union (NCUA charter #8593). 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 7.16%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Water'S Edge Federal Credit Union lists 1 office in 1 city. Most locations:
- Biloxi, MS (1)
Identity & history
Profile
- Legal name
- Water'S Edge Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 8593
- RSSD ID
- 132385
- Primary regulator
- NCUA
- Established
- 1953
- Headquarters
- 1976 Popps Ferry Road, Biloxi, MS 39532
- Employees
- 2
Quick answers
Water'S Edge Federal Credit Union: common questions
Is Water'S Edge Federal Credit Union NCUA insured?
Yes. Water'S Edge Federal Credit Union is a federally insured credit union (NCUA charter #8593). 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 Water'S Edge Federal Credit Union's TellerScore?
49 out of 100 (Below average), 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 Water'S Edge Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Biloxi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Navigator Federal Credit UnionCredit union Pascagoula, MS | 90 out of 100, Very strong | $406.7M | 18.0% | 0.38% | vs |
| Sunbelt Federal Credit UnionCredit union Hattiesburg, MS | 85 out of 100, Very strong | $366.4M | 16.2% | 0.39% | vs |
| Memorial Federal Credit UnionCredit union Gulfport, MS | 84 out of 100, Strong | $5.9M | 38.3% | 0.16% | vs |
| Southern Energy Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $3.6B | 14.6% | 0.23% | vs |
| Biloxi Teachers Federal Credit UnionCredit union Biloxi, MS | 83 out of 100, Strong | $12.1M | 11.9% | 0.25% | vs |
| The Peoples Bank, Biloxi, MississippiBank Biloxi, MS | 82 out of 100, Strong | $770.7M | 15.2% | 0.18% | vs |