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
Call Report peers
SUNBELT in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); SUNBELT sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Mississippi, N. Mississippi Health Services Emp. (#13) ties at 90/100; one place down, First Neshoba (#15) ties at 90/100.
SUNBELT Call Report trajectory
SUNBELT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.2% from $348.3M (2025Q4) to $370.1M (2026Q1).
- Net-worth ratio shifted -0.80 pp (16.58% → 15.78%).
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
SUNBELT gives up 10 points in total. Member Growth costs the most, 9.2 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is SUNBELT financially healthy?
SUNBELT has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,058 of 4,374 nationally on health and #14 of 55 in Mississippi. Its net worth ratio is 15.78% and its delinquency rate 0.61%.
How does SUNBELT compare to other credit unions?
SUNBELT scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (76.66% vs 72.20%). Its widest shortfall is return on assets (0.54% vs 0.62%).
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?
SUNBELT 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. SUNBELT's net worth ratio of 15.78% 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.