Federal credit union · BOYLE, Mississippi · NCUA charter #9974
Shelby/Bolivar County
Health score 50/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $4.6M
- Total assets
- 1,981
- Members
- 19.0%
- Net-worth ratio
Shelby/Bolivar County scores 50/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.6M; members 1,981; net-worth ratio 18.98%; health rank #4,270 of 4,374; healthier than 2nd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,270 of 4,374 health · 2025Q4Shelby/Bolivar County · health 50/100 · $4.6M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Shelby/Bolivar County vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Shelby/Bolivar County sits in 50-54 with 82 others.
50 2nd percentile higher than 2% 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 Shelby/Bolivar County diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -32.75 pp (30.85% vs 63.60%).
Mississippi standing for Shelby/Bolivar County
- In Mississippi, health place is #50 of 55 on the same NCUA-ratio sort used nationally.
- Assets rank #48 of 55 inside Mississippi ($4.6M reported).
- Membership ranks #33 of 55 among Mississippi CUs with a reported count (1,981 members).
- One place up in Mississippi, FERGUSON (#49) scores 53/100, 3 points higher; one place down, Issaquena County (#51) scores 49/100, 1 point lower.
How Shelby/Bolivar County's 5300 filing moved
Shelby/Bolivar County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $4.6M (2025Q4) to $4.7M (2026Q1).
- Net-worth ratio shifted -0.23 pp (19.21% → 18.98%).
At 18.98%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 50/100 score is built
Shelby/Bolivar County gives up 50 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 8.0 pts
- Member Growth 3.3 pts
- Loan-to-Share Ratio 8.7 pts
Shelby/Bolivar County vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.98% | -0.08 pp |
| Delinquency Rate | 4.75% | +2.95 pp |
| Return on Assets | 0.08% | -0.37 pp |
| Member Growth | -3.18% | - |
| Loan-to-Share Ratio | 30.85% | -32.75 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Shelby/Bolivar County filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.7M | - |
| 2025Q4 | $4.6M | 1,981 |
| 2024Q4 | $4.2M | 2,046 |
| 2023Q4 | $4.1M | 2,192 |
Credit Union Details
- Charter Number
- 9974
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Mississippi
- City
- BOYLE
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Shelby/Bolivar County runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| SHELBY BOLIVAR COUNTY FCU (Main Office) | BOYLE, MS |
| Fedcomp Inc | Fairfax, VA |
| SHELBY BOLIVAR COUNTY FCU | SHELBY, 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
Using this data
- Shelby/Bolivar County ranks #4,270 of 4,374 nationally on financial health and #50 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Meridian Postal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Meridian Postal
Frequently Asked Questions
Is Shelby/Bolivar County financially healthy?
On its 2025Q4 NCUA 5300 filing, Shelby/Bolivar County scores 50/100 (Fair), with a 18.98% net worth ratio and 4.75% of loans delinquent. It ranks #4,270 of 4,374 nationally on health and #50 of 55 in Mississippi.
How does Shelby/Bolivar County compare to other credit unions?
Shelby/Bolivar County scores 50/100, higher than 2% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (30.85% vs 63.60%).
How can I join Shelby/Bolivar County?
Shelby/Bolivar County 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 Shelby/Bolivar County directly for the exact boundaries and application steps.
Is my money safe at Shelby/Bolivar County?
Shelby/Bolivar County 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. Shelby/Bolivar County's net worth ratio of 18.98% 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.