Federal credit union · Flowood, Mississippi · NCUA charter #6369
STATEWIDE
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $202.4M
- Total assets
- 23,897
- Members
- 9.3%
- Net-worth ratio
STATEWIDE scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $202.4M; members 23,897; net-worth ratio 9.28%; health rank #550 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#550 of 4,374 health · 2025Q4STATEWIDE · health 94/100 · $202.4M · 2025Q4
- ASSETS 94/100
- MEM 9.3%
- RANK 0.88%
- PHOTO 0.59%
- BOOK $202.4M
- CHARTER 23,897
- NCUSIF #550/4,374
- CAMELS Duke University
- HEALTH 6369
Call Report peers
STATEWIDE in the assets neighbourhood
STATEWIDE's $202.4M assets sit next to Duke University ($202.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
STATEWIDE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
94 Top 13% higher than 87% 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
STATEWIDE - Share Insurance Coverage
Charter #6369's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for STATEWIDE
- Largest favorable gap: Delinquency Rate at 0.88% vs peer 0.89% (-0.02 pp).
- Loan-to-Share Ratio trails the peer set - 67.37% here, 72.20% peer average (-4.83 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
STATEWIDE in Mississippi
- In Mississippi, health place is #7 of 55 on the same NCUA-ratio sort used nationally.
- Mississippi assets place: #7 of 55.
- Member book place in Mississippi: #7 of 55.
In-state ordinals use the live credit_unions table for MS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for STATEWIDE
STATEWIDE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $202.4M (2025Q4) to $210.0M (2026Q1).
- Net-worth ratio shifted -0.15 pp (9.43% → 9.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.28% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 21.2 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.28% | -2.83 pp |
| Delinquency Rate | 0.88% | -0.02 pp |
| Return on Assets | 0.59% | -0.03 pp |
| Member Growth | 6.11% | - |
| Loan-to-Share Ratio | 67.37% | -4.83 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
STATEWIDE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $210.0M | - |
| 2025Q4 | $202.4M | 23,897 |
| 2024Q4 | $184.7M | 22,522 |
| 2023Q4 | $172.1M | 21,898 |
Credit Union Details
- Charter Number
- 6369
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Mississippi
- City
- Flowood
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, STATEWIDE runs 4 offices in 4 different cities.
| Office | City |
|---|---|
| Statewide FCU (Main Office) | Flowood, MS |
| Statewide FCU | Cleveland, MS |
| Columbus Branch | Columbus, MS |
| Statewide FCU | Starkville, 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
Cross-state asset and health neighbours for STATEWIDE - kept outside Mississippi; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($202.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- STATEWIDE ranks #550 of 4,374 nationally on financial health and #7 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MAGNOLIA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MAGNOLIA
- Rates and health both vary by institution, not just by state -- see how Mississippi credit unions compare overall before assuming this one is typical. Mississippi state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is STATEWIDE financially healthy?
A 9.28% net worth ratio and a 0.88% delinquency rate feed into STATEWIDE's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #550 of 4,374; by total assets it ranks #1,267 of 4,374 nationally (same basis as /rankings/largest); and #7 of 55 within Mississippi. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does STATEWIDE compare to other credit unions?
Five weighted metrics from NCUA filings produce STATEWIDE's 94/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join STATEWIDE?
STATEWIDE serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact STATEWIDE directly for the current list of qualifying groups.
Is my money safe at STATEWIDE?
Federal credit unions like STATEWIDE are 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. STATEWIDE's net worth ratio of 9.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does STATEWIDE offer compared to banks?
Credit unions like STATEWIDE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact STATEWIDE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.