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
Call Report peers
MAGNOLIA in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); MAGNOLIA sits in 95-99 with 391 others.
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
Where MAGNOLIA diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 88.87% vs peer 72.20% (+16.67 pp).
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).
- No Mississippi credit union scores higher; the runner-up, Singing River (#2) scores 98/100, 1 point lower.
MAGNOLIA: 2025Q4 → 2026Q1
MAGNOLIA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.4% from $178.5M (2025Q4) to $188.1M (2026Q1).
- Net-worth ratio shifted +0.94 pp (21.83% → 22.77%).
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
MAGNOLIA gives up 1 points in total. Delinquency Rate costs the most, 1.1 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is MAGNOLIA financially healthy?
On its 2025Q4 NCUA 5300 filing, MAGNOLIA scores 99/100 (Excellent), with a 22.77% net worth ratio and 0.61% of loans delinquent. It ranks #36 of 4,374 nationally on health and #1 of 55 in Mississippi.
How does MAGNOLIA compare to other credit unions?
MAGNOLIA scores 99/100, higher than 98% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (88.87% vs 72.20%).
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?
MAGNOLIA 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. MAGNOLIA's net worth ratio of 22.77% 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.