Federal credit union · Vicksburg, Mississippi · NCUA charter #24948
MUTUAL
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $494.7M
- Total assets
- 42,845
- Members
- 13.8%
- Net-worth ratio
MUTUAL scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $494.7M; members 42,845; net-worth ratio 13.76%; health rank #2,847 of 4,374; healthier than 33rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,847 of 4,374 health · 2025Q4MUTUAL · health 79/100 · $494.7M · 2025Q4
Call Report peers
MUTUAL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MUTUAL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MUTUAL sits in 75-79 with 502 others.
79 33rd percentile higher than 33% 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
Peer-gap read for MUTUAL
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +1.65 pp (13.76% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 66.17% vs peer 72.20% (-6.03 pp).
Where MUTUAL sits in Mississippi
- Mississippi health ordinal: #34 of 55.
- Mississippi assets place: #3 of 55.
- Mississippi membership ordinal: #4 of 55.
- One place up in Mississippi, TOMBIGBEE (#33) ties at 79/100; one place down, TRIANGLE (#35) ties at 79/100.
MUTUAL: 2025Q4 → 2026Q1
MUTUAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $494.7M (2025Q4) to $517.3M (2026Q1).
- Net-worth ratio shifted +0.19 pp (13.57% → 13.76%).
At 13.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
MUTUAL gives up 21 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.6 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.4 pts
MUTUAL vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.76% | +1.65 pp |
| Delinquency Rate | 1.05% | +0.16 pp |
| Return on Assets | 0.50% | -0.12 pp |
| Member Growth | -8.01% | - |
| Loan-to-Share Ratio | 66.17% | -6.03 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
MUTUAL filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $517.3M | - |
| 2025Q4 | $494.7M | 42,845 |
| 2024Q4 | $471.6M | 46,576 |
| 2023Q4 | $302.0M | 23,740 |
Credit Union Details
- Charter Number
- 24948
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Mississippi
- City
- Vicksburg
- Data Quarter
- 2025Q4
Branch Locations (11)
The NCUA branch filing lists 11 physical offices for MUTUAL, spread across 9 cities.
| Office | City |
|---|---|
| Mutual Credit Union (Main Office) | Vicksburg, MS |
| Clinton | Clinton, MS |
| Columbus | Columbus, MS |
| Grenada | Grenada, MS |
| UMMC | Jackson, MS |
| Jackson Avenue | Oxford, MS |
| Raymond | Raymond, MS |
| Ridgeland | Ridgeland, MS |
| Clay Street | Vicksburg, MS |
| South Frontage Road Branch | Vicksburg, MS |
| Yazoo City Branch | Yazoo City, 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.
MUTUAL nationwide neighbourhoods
Similar total assets
Using this data
- MUTUAL ranks #2,847 of 4,374 nationally on financial health and #34 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Singing River is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Singing River
Frequently Asked Questions
Is MUTUAL financially healthy?
MUTUAL has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,847 of 4,374 nationally on health and #34 of 55 in Mississippi. Its net worth ratio is 13.76% and its delinquency rate 1.05%.
How does MUTUAL compare to other credit unions?
MUTUAL scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.76% vs 12.11%). Its widest shortfall is loan-to-share ratio (66.17% vs 72.20%).
How can I join MUTUAL?
MUTUAL 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 MUTUAL directly for the exact boundaries and application steps.
Is my money safe at MUTUAL?
MUTUAL 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. MUTUAL's net worth ratio of 13.76% 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.