Citizens Choice Federal Credit Union
Total assets
$697K
▼ -11.0% YoY
Shares & deposits
$675K
▲ +0.4% YoY
Loans
$332K
▼ -11.6% YoY
Members
394
▼ -0.3% YoY
ROA (annualized)
-6.72%
peers 0.60%
ROE (annualized)
-285.18%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.0% | +1.3% | -12.3 pts |
| Share growth (YoY) | +0.4% | +0.7% | -0.3 pts |
| Loan growth (YoY) | -11.6% | -2.4% | -9.2 pts |
| ROA | -6.72% | 0.60% | -7.3 pts |
| ROE | -285.2% | 4.1% | -289.3 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
Profile
- Established
- 1966
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 1
- Address
- Po Box 17879, Natchez, MS, 39122
- NCUA charter #
- 17715
- RSSD ID
- 460882
- 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 | $697K | $675K | $332K | $16K | $-12K | -6.72% | 7.33% | 9.83% | 394 |
| Q4 2025 | $668K | $641K | $367K | $26K | $-27K | -4.05% | 7.55% | 9.43% | 405 |
| Q3 2025 | $769K | $678K | $369K | $34K | $-19K | -3.29% | 6.74% | 5.73% | 365 |
| Q2 2025 | $779K | $681K | $358K | $36K | $-11K | -2.86% | 6.68% | 6.63% | 375 |
| Q1 2025 | $783K | $672K | $376K | $47K | $-596 | -0.30% | 7.03% | 7.93% | 395 |
| Q4 2024 | $949K | $838K | $413K | $45K | $-50K | -5.23% | 6.22% | 2.72% | 380 |
| Q3 2024 | $948K | $870K | $407K | $65K | $-35K | -4.97% | 6.22% | 1.27% | 411 |
| Q2 2024 | $999K | $853K | $425K | $83K | $-17K | -3.34% | 5.92% | 1.87% | 410 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $260K · securities $10K
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 | -6.72% | 0.60% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -285.2% | 4.1% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.33% | 3.83% | 99th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 180.8% | 81.5% | 98th | |
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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