Federal credit union · Natchez, Mississippi · NCUA charter #17715
Citizens Choice
Health score 33/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 33
- Health / 100
- $668K
- Total assets
- 405
- Members
- 2.4%
- Net-worth ratio
Citizens Choice scores 33/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $668K; members 405; net-worth ratio 2.36%; health rank #4,363 of 4,374; healthier than 0th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,363 of 4,374 health · 2025Q4Citizens Choice · health 33/100 · $668K · 2025Q4
- RANK 33/100
- PHOTO 2.4%
- BOOK 9.43%
- CHARTER -7.43%
- NCUSIF $668K
- CAMELS 405
- HEALTH #4,363/4,374
- NW n/a
- DELQ 17715
Citizens Choice carries $668K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Citizens Choice vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
33 0th percentile in the bottom 1% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Citizens Choice - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #17715. See our deposit-insurance coverage note.
Citizens Choice: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 57.20% vs peer 52.70% (+4.50 pp).
- Largest lag: Net Worth Ratio at 2.36% vs peer 22.93% (-20.57 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mississippi standing for Citizens Choice
- Health composite ranks #55 of 55 among scored Mississippi credit unions.
- Assets rank #55 of 55 inside Mississippi ($668K reported).
- Member book place in Mississippi: #52 of 55.
In-state ordinals use the live credit_unions table for MS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Citizens Choice
Citizens Choice: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.4% from $668K (2025Q4) to $697K (2026Q1).
- Net-worth ratio shifted -1.57 pp (3.93% → 2.36%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This institution's 2.36% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
How the 33/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 33.
- Net Worth Ratio 5.9 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.1 pts
Citizens Choice vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 2.36% | -20.57 pp |
| Delinquency Rate | 9.43% | +4.96 pp |
| Return on Assets | -7.43% | -7.65 pp |
| Member Growth | 6.58% | - |
| Loan-to-Share Ratio | 57.20% | +4.50 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Citizens Choice filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $697K | - |
| 2025Q4 | $668K | 405 |
| 2024Q4 | $949K | 380 |
| 2023Q4 | $991K | 372 |
Credit Union Details
- Charter Number
- 17715
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Under $2M
- State
- Mississippi
- City
- Natchez
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Citizens Choice.
| Office | City |
|---|---|
| Citizens Choice Federal Credit Union (Main Office) | Natchez, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
Other federally-insured credit unions in Mississippi, closest first by peer group and asset size.
Other-state peers near Citizens Choice
Citizens Choice's nationwide photo peers by assets and by health score, excluding Mississippi charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (33/100 here).
Using this data
- Citizens Choice ranks #4,363 of 4,374 nationally on financial health and #55 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Issaquena County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Issaquena County
- Rates and health both vary by institution, not just by state -- see how Mississippi credit unions compare overall before assuming this one is typical. Mississippi state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Citizens Choice financially healthy?
Citizens Choice has a financial health score of 33/100 (Weak) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,363 of 4,374; by total assets it ranks #4,274 of 4,374 nationally (same basis as /rankings/largest); and #55 of 55 within Mississippi. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 2.36% and delinquency rate of 9.43%.
How does Citizens Choice compare to other credit unions?
Citizens Choice scores 33/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Citizens Choice?
Citizens Choice serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Citizens Choice directly for the current list of qualifying groups.
Is my money safe at Citizens Choice?
Federal credit unions like Citizens Choice are 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. Citizens Choice's net worth ratio of 2.36% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Citizens Choice offer compared to banks?
Credit unions like Citizens Choice are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Citizens Choice directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from 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.