Federal credit union · AMORY, Mississippi · NCUA charter #17681
TOMBIGBEE
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $5.5M
- Total assets
- 1,074
- Members
- 19.1%
- Net-worth ratio
TOMBIGBEE scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.5M; members 1,074; net-worth ratio 19.07%; health rank #2,818 of 4,374; healthier than 33rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,818 of 4,374 health · 2025Q4TOMBIGBEE · health 79/100 · $5.5M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TOMBIGBEE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TOMBIGBEE sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
TOMBIGBEE: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Return on Assets: +1.22 pp (1.68% vs 0.45%).
- Loan-to-Share Ratio trails the peer set - 62.01% here, 63.60% peer average (-1.59 pp).
Mississippi standing for TOMBIGBEE
- Mississippi health ordinal: #33 of 55.
- Mississippi assets place: #44 of 55.
- Mississippi membership ordinal: #44 of 55.
- One place up in Mississippi, Biloxi Teachers (#32) scores 80/100, 1 point higher; one place down, MUTUAL (#34) ties at 79/100.
Quarter path for TOMBIGBEE
TOMBIGBEE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.9% from $5.5M (2025Q4) to $5.5M (2026Q1).
- Net-worth ratio shifted +0.61 pp (18.46% → 19.07%).
At 19.07%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
TOMBIGBEE gives up 21 points in total. Delinquency Rate costs the most, 12.8 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.2 pts
- Return on Assets 15.0 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 13.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.07% | +0.01 pp |
| Delinquency Rate | 2.04% | +0.24 pp |
| Return on Assets | 1.68% | +1.22 pp |
| Member Growth | -0.46% | - |
| Loan-to-Share Ratio | 62.01% | -1.59 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
TOMBIGBEE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.5M | - |
| 2025Q4 | $5.5M | 1,074 |
| 2024Q4 | $5.8M | 1,079 |
| 2023Q4 | $5.7M | 1,089 |
Credit Union Details
- Charter Number
- 17681
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Mississippi
- City
- AMORY
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for TOMBIGBEE.
| Office | City |
|---|---|
| TOMBIGBEE FCU (Main Office) | AMORY, MS |
| RENASANT BK LOCK BOX | AMORY, 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 TOMBIGBEE
Similar health score
Using this data
- TOMBIGBEE ranks #2,818 of 4,374 nationally on financial health and #33 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Water's Edge is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Water's Edge
Frequently Asked Questions
Is TOMBIGBEE financially healthy?
On its 2025Q4 NCUA 5300 filing, TOMBIGBEE scores 79/100 (Very Good), with a 19.07% net worth ratio and 2.04% of loans delinquent. It ranks #2,818 of 4,374 nationally on health and #33 of 55 in Mississippi.
How does TOMBIGBEE compare to other credit unions?
TOMBIGBEE scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is return on assets (1.68% vs 0.45%). Its widest shortfall is loan-to-share ratio (62.01% vs 63.60%).
How can I join TOMBIGBEE?
TOMBIGBEE 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 TOMBIGBEE directly for the exact boundaries and application steps.
Is my money safe at TOMBIGBEE?
TOMBIGBEE 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. TOMBIGBEE's net worth ratio of 19.07% 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.