Federal credit union · GULFPORT, Mississippi · NCUA charter #14824
MEMORIAL
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $6.0M
- Total assets
- 1,137
- Members
- 37.9%
- Net-worth ratio
MEMORIAL scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.0M; members 1,137; net-worth ratio 37.91%; health rank #2,507 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,507 of 4,374 health · 2025Q4MEMORIAL · health 81/100 · $6.0M · 2025Q4
Call Report peers
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MEMORIAL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MEMORIAL sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where MEMORIAL diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +18.85 pp (37.91% vs 19.06%).
- Loan-to-Share Ratio trails the peer set - 57.56% here, 63.60% peer average (-6.04 pp).
MEMORIAL: in-state Call Report ranks
- In Mississippi, health place is #28 of 55 on the same NCUA-ratio sort used nationally.
- Mississippi assets place: #43 of 55.
- Mississippi membership ordinal: #42 of 55.
- One place up in Mississippi, BRIGHTVIEW (#27) scores 83/100, 2 points higher; one place down, Gulf Trust (#29) ties at 81/100.
Quarter path for MEMORIAL
MEMORIAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $6.0M (2025Q4) to $5.9M (2026Q1).
- Net-worth ratio shifted +0.20 pp (37.71% → 37.91%).
37.91% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
MEMORIAL gives up 19 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.7 pts
Call Report ratios for MEMORIAL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 37.91% | +18.85 pp |
| Delinquency Rate | 0.20% | -1.61 pp |
| Return on Assets | 0.45% | -0.00 pp |
| Member Growth | -7.94% | - |
| Loan-to-Share Ratio | 57.56% | -6.04 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - MEMORIAL
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.9M | - |
| 2025Q4 | $6.0M | 1,137 |
| 2024Q4 | $6.0M | 1,235 |
| 2023Q4 | $6.3M | 1,348 |
Credit Union Details
- Charter Number
- 14824
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Mississippi
- City
- GULFPORT
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for MEMORIAL.
| Office | City |
|---|---|
| MEMORIAL FEDERAL CREDIT UNION (Main Office) | GULFPORT, 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.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- MEMORIAL ranks #2,507 of 4,374 nationally on financial health and #28 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TOMBIGBEE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TOMBIGBEE
Frequently Asked Questions
Is MEMORIAL financially healthy?
On its 2025Q4 NCUA 5300 filing, MEMORIAL scores 81/100 (Excellent), with a 37.91% net worth ratio and 0.20% of loans delinquent. It ranks #2,507 of 4,374 nationally on health and #28 of 55 in Mississippi.
How does MEMORIAL compare to other credit unions?
MEMORIAL scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (37.91% vs 19.06%). Its widest shortfall is loan-to-share ratio (57.56% vs 63.60%).
How can I join MEMORIAL?
MEMORIAL 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 MEMORIAL directly for the exact boundaries and application steps.
Is my money safe at MEMORIAL?
MEMORIAL 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. MEMORIAL's net worth ratio of 37.91% 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.