Federal credit union · CHOCTAW, Mississippi · NCUA charter #22314
CHOCTAW
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $2.9M
- Total assets
- 2,095
- Members
- 25.9%
- Net-worth ratio
CHOCTAW scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.9M; members 2,095; net-worth ratio 25.86%; health rank #3,745 of 4,374; healthier than 13th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,745 of 4,374 health · 2025Q4CHOCTAW · health 67/100 · $2.9M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CHOCTAW vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CHOCTAW sits in 65-69 with 275 others.
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where CHOCTAW diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 87.55% vs peer 63.60% (+23.95 pp).
- Widest shortfall vs peers is Return on Assets: -4.20 pp (-3.75% vs 0.45%).
CHOCTAW in Mississippi
- Health composite ranks #45 of 55 among scored Mississippi credit unions.
- Assets rank #50 of 55 inside Mississippi ($2.9M reported).
- Mississippi membership ordinal: #32 of 55.
- One place up in Mississippi, Mississippi Highway Safty Pat (#44) scores 68/100, 1 point higher; one place down, Northeast Mississippi (#46) scores 66/100, 1 point lower.
How CHOCTAW's 5300 filing moved
CHOCTAW: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $2.9M (2025Q4) to $2.9M (2026Q1).
- Net-worth ratio shifted -1.94 pp (27.80% → 25.86%).
25.86% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 67/100 score is built
CHOCTAW gives up 33 points in total. Delinquency Rate costs the most, 18.4 of its 25; Net Worth Ratio and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 6.6 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.4 pts
CHOCTAW vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.86% | +6.80 pp |
| Delinquency Rate | 2.94% | +1.13 pp |
| Return on Assets | -3.75% | -4.20 pp |
| Member Growth | 5.22% | - |
| Loan-to-Share Ratio | 87.55% | +23.95 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
CHOCTAW quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.9M | - |
| 2025Q4 | $2.9M | 2,095 |
| 2024Q4 | $2.6M | 1,991 |
| 2023Q4 | $2.8M | 1,963 |
Credit Union Details
- Charter Number
- 22314
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Mississippi
- City
- CHOCTAW
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, CHOCTAW runs one office.
| Office | City |
|---|---|
| CHOCTAW FCU (Main Office) | CHOCTAW, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
More federally-insured credit unions based in Mississippi, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- CHOCTAW ranks #3,745 of 4,374 nationally on financial health and #45 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mississippi College Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mississippi College Employees
Frequently Asked Questions
Is CHOCTAW financially healthy?
CHOCTAW has a financial health score of 67/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,745 of 4,374 nationally on health and #45 of 55 in Mississippi. Its net worth ratio is 25.86% and its delinquency rate 2.94%.
How does CHOCTAW compare to other credit unions?
CHOCTAW scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (87.55% vs 63.60%). Its widest shortfall is return on assets (-3.75% vs 0.45%).
How can I join CHOCTAW?
CHOCTAW operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CHOCTAW directly for the exact boundaries and application steps.
Is my money safe at CHOCTAW?
CHOCTAW is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CHOCTAW's net worth ratio of 25.86% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.