Federal credit union · Columbus, Mississippi · NCUA charter #16770
MUW
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $4.2M
- Total assets
- 438
- Members
- 10.0%
- Net-worth ratio
MUW scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.2M; members 438; net-worth ratio 9.95%; health rank #3,662 of 4,374; healthier than 16th of scored peers.
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#3,662 of 4,374 health · 2025Q4MUW · health 69/100 · $4.2M · 2025Q4
Call Report peers
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MUW vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MUW sits in 65-69 with 275 others.
69 16th percentile higher than 16% 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 MUW
- Largest favorable gap: Return on Assets at 0.68% vs peer 0.45% (+0.23 pp).
- Net Worth Ratio trails the peer set - 9.95% here, 19.06% peer average (-9.11 pp).
MUW in Mississippi
- Health composite ranks #43 of 55 among scored Mississippi credit unions.
- Assets rank #49 of 55 inside Mississippi ($4.2M reported).
- Mississippi membership ordinal: #51 of 55.
- One place up in Mississippi, One South (#42) scores 72/100, 3 points higher; one place down, Mississippi Highway Safty Pat (#44) scores 68/100, 1 point lower.
MUW Call Report trajectory
MUW: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $4.2M (2025Q4) to $4.3M (2026Q1).
- Net-worth ratio shifted +0.54 pp (9.41% → 9.95%).
At 9.95%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 69/100 score is built
MUW gives up 31 points in total. Member Growth costs the most, 14.2 of its 15; Return on Assets scores full marks.
- Net Worth Ratio 29.9 pts
- Delinquency Rate 11.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.8 pts
- Loan-to-Share Ratio 12.3 pts
MUW health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.95% | -9.11 pp |
| Delinquency Rate | 2.24% | +0.43 pp |
| Return on Assets | 0.68% | +0.23 pp |
| Member Growth | -4.58% | - |
| Loan-to-Share Ratio | 57.83% | -5.77 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.3M | - |
| 2025Q4 | $4.2M | 438 |
| 2024Q4 | $4.2M | 459 |
| 2023Q4 | $4.2M | 466 |
Credit Union Details
- Charter Number
- 16770
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Mississippi
- City
- Columbus
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for MUW, spread across 2 cities.
| Office | City |
|---|---|
| MUW EMPLOYEES' FCU (Main Office) | Columbus, MS |
| REGIONS BANK | COLUMBUS, 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.
MUW nationwide neighbourhoods
Similar health score
Using this data
- MUW ranks #3,662 of 4,374 nationally on financial health and #43 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Shelby/Bolivar County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Shelby/Bolivar County
Frequently Asked Questions
Is MUW financially healthy?
MUW has a financial health score of 69/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,662 of 4,374 nationally on health and #43 of 55 in Mississippi. Its net worth ratio is 9.95% and its delinquency rate 2.24%.
How does MUW compare to other credit unions?
MUW scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is return on assets (0.68% vs 0.45%). Its widest shortfall is net worth ratio (9.95% vs 19.06%).
How can I join MUW?
MUW 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 MUW directly for the exact boundaries and application steps.
Is my money safe at MUW?
MUW 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. MUW's net worth ratio of 9.95% 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.