Choctaw Federal Credit Union
Total assets
$2.9M
▼ -5.5% YoY
Shares & deposits
$2.2M
▼ -1.2% YoY
Loans
$1.7M
▲ +9.9% YoY
Members
2,064
▲ +2.5% YoY
ROA (annualized)
-4.58%
peers 0.60%
ROE (annualized)
-17.72%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +1.3% | -6.8 pts |
| Share growth (YoY) | -1.2% | +0.7% | -1.8 pts |
| Loan growth (YoY) | +9.9% | -2.4% | +12.3 pts |
| ROA | -4.58% | 0.60% | -5.2 pts |
| ROE | -17.7% | 4.1% | -21.8 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
Profile
- Established
- 1976
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- Po Box 6284, Choctaw, MS, 39350
- NCUA charter #
- 22314
- RSSD ID
- 537887
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.9M | $2.2M | $1.7M | $763K | $-34K | -4.58% | 6.57% | 1.91% | 2,064 |
| Q4 2025 | $2.9M | $2.1M | $1.8M | $796K | $93K | 3.23% | 6.57% | 2.94% | 2,095 |
| Q3 2025 | $2.8M | $1.9M | $1.7M | $847K | $143K | 6.88% | 6.64% | 6.13% | 2,067 |
| Q2 2025 | $2.9M | $2.0M | $1.6M | $889K | $185K | 12.61% | 6.03% | 5.72% | 2,031 |
| Q1 2025 | $3.1M | $2.2M | $1.6M | $905K | $201K | 25.81% | 5.13% | 3.17% | 2,013 |
| Q4 2024 | $2.6M | $1.9M | $1.4M | $685K | $-107K | -4.16% | 7.39% | 2.77% | 1,991 |
| Q3 2024 | $2.7M | $2.0M | $1.5M | $710K | $-83K | -4.04% | 7.16% | 3.52% | 1,974 |
| Q2 2024 | $2.9M | $2.2M | $1.7M | $729K | $-63K | -4.39% | 6.90% | 0.66% | 1,961 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.7M · securities $28K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.58% | 0.60% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -17.7% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.57% | 3.83% | 98th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 131.2% | 81.5% | 96th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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