Citizens Choice vs Issaquena County
Side-by-side comparison based on NCUA quarterly call report data.
Issaquena County scores higher on overall financial health (health score: 49/100). Higher health scores reflect stronger capital ratios, lower delinquency, and better earnings.
Financial Metrics Comparison
| Metric | Citizens Choice | Issaquena County |
|---|---|---|
| Health Score 0–100, higher is better | 33 | 49 |
| Total Assets | $668,140 | $973,375 |
| Members | 405 | 523 |
| Net Worth Ratio Higher = better capitalized (≥7% = "well capitalized") | 2.36% | 13.90% |
| Delinquency Rate Lower = fewer past-due loans | 9.43% | 22.44% |
| Return on Assets (ROA) Higher = more profitable | -7.430% | -6.959% |
| Loan-to-Share Ratio Higher = more loans deployed vs deposits | 57.20% | 43.43% |
| Member Growth Year-over-year membership change | 6.6% | -0.2% |
Teal/bold = better performer on that metric. Financial ratios from most recently reported NCUA quarter.
Membership & Structure
| Detail | Citizens Choice | Issaquena County |
|---|---|---|
| Location | Natchez, MS | MAYERSVILLE, MS |
| Charter Type | Federal | Federal |
| Field of Membership | Multiple Common Bond | Community |
| Peer Group | Under $2M | Under $2M |
| Charter Number | 17715 | 19253 |
What This Comparison Says About Citizens Choice vs Issaquena County
Citizens Choice (Natchez, MS) and Issaquena County (MAYERSVILLE, MS) are both federally-insured credit unions reporting quarterly to the NCUA, but they differ meaningfully in scale and profile. Citizens Choice holds $668,140 in assets across 405 members, while Issaquena County holds $973,375 across 523 members. On the composite health score, Issaquena County comes out ahead at 49/100 versus 33/100 for its counterpart, a gap driven by the weighted combination of capital, loan quality, earnings, growth, and liquidity metrics shown above. Charter numbers 17715 and 19253 indicate entirely separate NCUA supervisory records; they operate under peer groups Under $2M and Under $2M respectively.
Capital adequacy is the first check: Citizens Choice's net worth ratio of 2.36% is measured against the NCUA's 7.0% "well capitalized" bar, while Issaquena County posts 13.90%. Loan quality, measured as loans 60+ days past due over total loans, comes in at 9.43% for Citizens Choice and 22.44% for Issaquena County; lower is tighter. Return on assets (NCUA 5300 Call Report) shows -7.430% versus -6.959%. Loan-to-share ratios of 57.20% and 43.43% indicate how each institution deploys member deposits, the 60–80% band is generally considered the balanced-liquidity window by industry analysts.
Both credit unions are covered by NCUSIF federal insurance up to $250,000 per depositor per ownership category, the same limit as FDIC coverage at banks, so the comparison here is about financial efficiency and member experience, not deposit safety. Before joining either institution, verify the field of membership: Citizens Choice is currently defined as "Multiple Common Bond" and Issaquena County as "Community", and eligibility rules (employer, geography, association) determine who can actually open accounts. Current deposit rates, loan APRs, fees, and product availability change continuously and are not reflected in quarterly Call Report data, contact each credit union directly before opening accounts or borrowing. This comparison is informational only and is not financial advice, an endorsement, or a solicitation; credit union performance can shift materially quarter to quarter and should be re-evaluated with current reports before making any decision.
What to Consider When Choosing
Net Worth Ratio: The NCUA requires credit unions to maintain a net worth ratio of at least 7% to be considered "well capitalized." Citizens Choice shows 2.36% vs Issaquena County at 13.90%. Higher ratios indicate stronger financial buffers.
Delinquency Rate: Measures the percentage of loans that are 60+ days past due. Lower delinquency rates indicate tighter underwriting and lower credit risk. Citizens Choice: 9.43% - Issaquena County: 22.44%.
Return on Assets: ROA measures how efficiently a credit union generates income from its assets. Industry benchmark is typically 0.50–0.70%. Both values here may be close to zero since credit unions are not-for-profit and return value to members through lower rates and higher dividends.
Membership eligibility: Check each credit union's field of membership before applying. Many restrict membership by employer, geography, or community affiliation.
What to do with this comparison
Issaquena County leads on the composite health score, but that alone should not decide where you bank.
- Confirm you actually qualify: the field of membership for Citizens Choice is "Multiple Common Bond" and for Issaquena County is "Community".
- See how Issaquena County ranks nationally, not just against this one peer. Healthiest credit unions
- Compare either credit union against a different peer. Start a new comparison
Rates, fees, and product availability change continuously and are not reflected in quarterly Call Report data -- verify current terms directly with each credit union.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. This comparison draws directly on NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.