Federal credit union · Jackson, Mississippi · NCUA charter #224
MAGNOLIA
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $178.5M
- Total assets
- 21,178
- Members
- 22.8%
- Net-worth ratio
MAGNOLIA scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $178.5M; members 21,178; net-worth ratio 22.77%; health rank #36 of 4,374; healthier than 98th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#36 of 4,374 health · 2025Q4MAGNOLIA · health 99/100 · $178.5M · 2025Q4
- ROA 99/100
- ASSETS 22.8%
- MEM 0.61%
- RANK 1.86%
- PHOTO $178.5M
- BOOK 21,178
- CHARTER #36/4,374
- NCUSIF San Joaquin Power Employees
- CAMELS 224
Call Report peers
MAGNOLIA in the assets neighbourhood
MAGNOLIA's $178.5M assets sit next to San Joaquin Power Employees ($178.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MAGNOLIA 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
99 Top 2% higher than 98% 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
MAGNOLIA - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #224. See our deposit-insurance coverage note.
Where MAGNOLIA diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 88.87% vs peer 72.20% (+16.67 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mississippi standing for MAGNOLIA
- Mississippi health ordinal: #1 of 55.
- Mississippi assets place: #8 of 55.
- Membership ranks #8 of 55 among Mississippi CUs with a reported count (21,178 members).
In-state ordinals use the live credit_unions table for MS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
MAGNOLIA: 2025Q4 → 2026Q1
MAGNOLIA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.4% from $178.5M (2025Q4) to $188.1M (2026Q1).
- Net-worth ratio shifted +0.94 pp (21.83% → 22.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 22.77%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 99/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.9 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.1 pts
MAGNOLIA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.77% | +10.66 pp |
| Delinquency Rate | 0.61% | -0.28 pp |
| Return on Assets | 1.86% | +1.23 pp |
| Member Growth | 5.43% | - |
| Loan-to-Share Ratio | 88.87% | +16.67 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $188.1M | - |
| 2025Q4 | $178.5M | 21,178 |
| 2024Q4 | $158.8M | 20,088 |
| 2023Q4 | $154.2M | 19,621 |
Credit Union Details
- Charter Number
- 224
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Mississippi
- City
- Jackson
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for MAGNOLIA, spread across 5 cities.
| Office | City |
|---|---|
| Main (Main Office) | Jackson, MS |
| Flowood Service Center | Flowood, MS |
| Madison Service Center | Madison, MS |
| McComb Branch | McComb, MS |
| Morton Branch | Morton, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
A look at other Mississippi credit unions, ranked by how closely their peer group and asset size match this one.
MAGNOLIA nationwide neighbourhoods
MAGNOLIA's nationwide photo peers by assets and by health score, excluding Mississippi charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($178.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
Using this data
- MAGNOLIA ranks #36 of 4,374 nationally on financial health and #1 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RIVERTRUST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RIVERTRUST
- 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 MAGNOLIA financially healthy?
Yes/no aside, the number is 99/100 (Excellent) - MAGNOLIA's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #36 of 4,374; by total assets it ranks #1,360 of 4,374 nationally (same basis as /rankings/largest); and #8 of 55 within Mississippi. Above 80 reads excellent, below 50 warrants closer monitoring; a 22.77% net worth ratio and 0.61% delinquency rate are the key drivers.
How does MAGNOLIA compare to other credit unions?
On PlainCU's health composite, MAGNOLIA lands at 99/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 MAGNOLIA?
MAGNOLIA 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 MAGNOLIA directly for the exact boundaries and application steps.
Is my money safe at MAGNOLIA?
Federal credit unions like MAGNOLIA 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. MAGNOLIA's net worth ratio of 22.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MAGNOLIA offer compared to banks?
Credit unions like MAGNOLIA 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 MAGNOLIA 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.