Institution Profile
Address: P O Box 654 Meridian, MS 39302-0654
(601) 693-7413
NCUA Profile:
Charter Date:
1/1/1932
Charter Type:
Federal
Branches:
1
Branches by Region
MS 1
Financial Overview
Total Assets
$4.80M
Total Deposits
$3.78M
Total Loans
$941,300
Members
342
Employees
3 0 Full-time / 3 Part-time
Allowance for Loan Losses
$36,314
Performance Ratios
Net Worth Ratio
21.17%
Loan-to-Deposit Ratio
24.88%
Coverage Ratio
3.86% Allowance / Total Loans
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: -2.76% Total Deposits: -4.51% Total Loans: -9.98% since 2020 Q1
Member Growth
Member Growth
Members: -25.00% since 2020 Q1
Employee Growth
Employee Growth
Employees: +0.00% since 2020 Q1
Loan Originations
New loans granted per quarter (calculated from YTD figures)
Loans This Year (YTD)
65
Amount This Year (YTD)
$628,937
Number of Loans per Quarter
Loans Granted: -12.50% since 2020 Q1
Loan Amount per Quarter
Amount Granted: +36.09% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
Used Vehicle
$479,224 50.9%
Other Secured
$238,913 25.4%
New Vehicle
$152,483 16.2%
Other Unsecured
$70,680 7.5%
Portfolio Distribution
Historical Data Table
| Quarter | Members | Total Assets | Total Deposits | Total Loans | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | 342 | $4.80M | $3.78M | $941,300 | 3 |
| 2025 Q3 | 344 | $4.85M | $3.83M | $822,527 | 3 |
| 2025 Q2 | 341 | $4.93M | $3.92M | $836,425 | 3 |
| 2025 Q1 | 343 | $4.86M | $3.84M | $815,311 | 3 |
| 2024 Q4 | 341 | $4.77M | $3.76M | $833,975 | 3 |
| 2024 Q3 | 348 | $4.73M | $3.72M | $869,932 | 3 |
| 2024 Q2 | 349 | $4.71M | $3.70M | $882,923 | 3 |
| 2024 Q1 | 350 | $4.72M | $3.72M | $874,135 | 3 |
| 2023 Q4 | 355 | $4.77M | $3.76M | $798,522 | 3 |
| 2023 Q3 | 358 | $4.90M | $3.89M | $800,337 | 3 |
| 2023 Q2 | 359 | $4.90M | $3.90M | $881,788 | 3 |
| 2023 Q1 | 357 | $4.96M | $3.96M | $862,554 | 2 |
| 2022 Q4 | 362 | $5.43M | $4.43M | $920,204 | 3 |
| 2022 Q3 | 365 | $5.32M | $4.32M | $845,239 | 3 |
| 2022 Q2 | 375 | $5.42M | $4.43M | $856,221 | 3 |
| 2022 Q1 | 383 | $5.47M | $4.47M | $840,381 | 3 |
| 2021 Q4 | 394 | $5.47M | $4.47M | $910,896 | 3 |
| 2021 Q3 | 409 | $5.41M | $4.41M | $916,328 | 3 |
| 2021 Q2 | 411 | $5.38M | $4.38M | $908,907 | 3 |
| 2021 Q1 | 409 | $5.29M | $4.29M | $912,251 | 3 |
| 2020 Q4 | 414 | $5.32M | $4.34M | $945,457 | 3 |
| 2020 Q3 | 422 | $5.27M | $4.28M | $951,090 | 3 |
| 2020 Q2 | 448 | $5.16M | $4.17M | $972,334 | 3 |
| 2020 Q1 | 456 | $4.94M | $3.96M | $1.05M | 3 |
Interest Rates
Current average rates by loan type
New Vehicle
4.25%
Used Vehicle
5.33%
Other Unsecured
13.50%