Federal credit union · Hattiesburg, Mississippi · NCUA charter #8905
SUNBELT
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $348.3M
- Total assets
- 35,545
- Members
- 15.8%
- Net-worth ratio
SUNBELT scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $348.3M; members 35,545; net-worth ratio 15.78%; health rank #1,058 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,058 of 4,374 health · 2025Q4SUNBELT · health 90/100 · $348.3M · 2025Q4
- RANK 90/100
- PHOTO 15.8%
- BOOK 0.61%
- CHARTER 0.54%
- NCUSIF $348.3M
- CAMELS 35,545
- HEALTH #1,058/4,374
- NW Solidarity Community
- DELQ 8905
Call Report peers
SUNBELT in the assets neighbourhood
SUNBELT's $348.3M assets sit next to Solidarity Community ($348.0M) 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.
SUNBELT 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
90 Top 27% higher than 73% 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
SUNBELT - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #8905: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for SUNBELT
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +4.46 pp (76.66% vs 72.20%).
- Return on Assets trails the peer set - 0.54% here, 0.62% peer average (-0.08 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SUNBELT in Mississippi
- Mississippi health ordinal: #14 of 55.
- Assets rank #6 of 55 inside Mississippi ($348.3M reported).
- Mississippi membership ordinal: #5 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.
SUNBELT Call Report trajectory
SUNBELT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.2% from $348.3M (2025Q4) to $370.1M (2026Q1).
- Net-worth ratio shifted -0.80 pp (16.58% → 15.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.78%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.9 pts
- Return on Assets 15.0 pts
- Member Growth 5.8 pts
- Loan-to-Share Ratio 15.3 pts
SUNBELT vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.78% | +3.67 pp |
| Delinquency Rate | 0.61% | -0.28 pp |
| Return on Assets | 0.54% | -0.08 pp |
| Member Growth | -1.78% | - |
| Loan-to-Share Ratio | 76.66% | +4.46 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).
SUNBELT quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $370.1M | - |
| 2025Q4 | $348.3M | 35,545 |
| 2024Q4 | $314.5M | 36,190 |
| 2023Q4 | $277.8M | 38,120 |
Credit Union Details
- Charter Number
- 8905
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Mississippi
- City
- Hattiesburg
- Data Quarter
- 2025Q4
Branch Locations (11)
SUNBELT operates 11 offices across 8 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 49 Operations Center and Branch (Main Office) | Hattiesburg, MS |
| Biloxi | Biloxi, MS |
| Ellisville | Ellisville, MS |
| Gulfport | Gulfport, MS |
| Westover Drive | Hattiesburg, MS |
| Lincoln Road | Hattiesburg, MS |
| Congress St. | Laurel, MS |
| Sawmill Square | Laurel, MS |
| Magee | Magee, MS |
| McComb Branch | McComb, MS |
| Waynesboro | Waynesboro, 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 SUNBELT
Two NCUA Call Report peer sets for SUNBELT, both outside Mississippi so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($348.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- SUNBELT ranks #1,058 of 4,374 nationally on financial health and #14 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
- 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 SUNBELT financially healthy?
SUNBELT scores 90/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,058 of 4,374; by total assets it ranks #947 of 4,374 nationally (same basis as /rankings/largest); and #6 of 55 within Mississippi. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.78% net worth ratio and a 0.61% delinquency rate.
How does SUNBELT compare to other credit unions?
PlainCU's health composite puts SUNBELT at 90/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 SUNBELT?
SUNBELT 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 SUNBELT directly for the exact boundaries and application steps.
Is my money safe at SUNBELT?
Federal credit unions like SUNBELT 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. SUNBELT's net worth ratio of 15.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SUNBELT offer compared to banks?
Credit unions like SUNBELT 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 SUNBELT 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.