Citizens Choice

Natchez, MS · 1 · Charter #17715 · www.citizenscfcu.org/
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$668.1K
5th percentile
Members
405
14th percentile
Total loans
$366.5K
8th percentile
Total shares
$640.9K
6th percentile

Profitability

Return on assets
-4.42%
1th percentile
Net interest margin
7.55%
99th percentile
Efficiency ratio
128.82%
2th percentile
Non-interest income ratio
18.22%
79th percentile

Capital & Risk

Net worth ratio
3.93%
0th percentile
Delinquency rate
9.43%
3th percentile
Net charge-off rate
0.73%
23th percentile
Loan-to-share
57.20%
46th percentile

Growth

Member growth YoY
6.58%
95th percentile
Asset growth YoY
-29.61%
0th percentile
Loan growth YoY
-11.18%
20th percentile
Share growth YoY
-3.35%
27th percentile

Operations

Members / branch
405
19th percentile
Assets / member
$1,650
3th percentile
Field of membership penetration
81.00%
92th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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