Federal credit union · MOSS POINT, Mississippi · NCUA charter #8694
Singing River
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $393.6M
- Total assets
- 32,619
- Members
- 11.3%
- Net-worth ratio
Singing River scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $393.6M; members 32,619; net-worth ratio 11.35%; health rank #108 of 4,374; healthier than 97th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#108 of 4,374 health · 2025Q4Singing River · health 98/100 · $393.6M · 2025Q4
Call Report peers
Singing River in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Singing River vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Singing River sits in 95-99 with 391 others.
98 Top 3% higher than 97% 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 Singing River diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +21.53 pp (93.73% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -0.76 pp (11.35% vs 12.11%).
Singing River: in-state Call Report ranks
- In Mississippi, health place is #2 of 55 on the same NCUA-ratio sort used nationally.
- Mississippi assets place: #4 of 55.
- Membership ranks #6 of 55 among Mississippi CUs with a reported count (32,619 members).
- One place up in Mississippi, MAGNOLIA (#1) scores 99/100, 1 point higher; one place down, 1st Mississippi (#3) scores 95/100, 3 points lower.
Singing River Call Report trajectory
Singing River: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $393.6M (2025Q4) to $402.5M (2026Q1).
- Net-worth ratio shifted +0.14 pp (11.21% → 11.35%).
This credit union's 11.35% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 98/100 score is built
Singing River gives up 2 points in total. Loan-to-Share Ratio costs the most, 1.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.0 pts
Singing River health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.35% | -0.76 pp |
| Delinquency Rate | 0.40% | -0.49 pp |
| Return on Assets | 0.80% | +0.18 pp |
| Member Growth | 34.14% | - |
| Loan-to-Share Ratio | 93.73% | +21.53 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Singing River filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $402.5M | - |
| 2025Q4 | $393.6M | 32,619 |
| 2024Q4 | $323.1M | 24,317 |
| 2023Q4 | $305.1M | 23,124 |
Credit Union Details
- Charter Number
- 8694
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Mississippi
- City
- MOSS POINT
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for Singing River, spread across 8 cities.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | MOSS POINT, MS |
| HURLEY | Hurley, MS |
| LEAKESVILLE | LEAKESVILLE, MS |
| LUCEDALE | LUCEDALE, MS |
| Meridian | Meridian, MS |
| OCEAN SPRINGS | OCEAN SPRINGS, MS |
| PASCAGOULA | PASCAGOULA, MS |
| PHS | Pascagoula, 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.
Cross-state Call Report peers for Singing River
Using this data
- Singing River ranks #108 of 4,374 nationally on financial health and #2 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NAVIGATOR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NAVIGATOR
Frequently Asked Questions
Is Singing River financially healthy?
Singing River has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #108 of 4,374 nationally on health and #2 of 55 in Mississippi. Its net worth ratio is 11.35% and its delinquency rate 0.40%.
How does Singing River compare to other credit unions?
Singing River scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (93.73% vs 72.20%). Its widest shortfall is net worth ratio (11.35% vs 12.11%).
How can I join Singing River?
Singing River 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 Singing River directly for the exact boundaries and application steps.
Is my money safe at Singing River?
Singing River 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. Singing River's net worth ratio of 11.35% 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.