Credit Union Safety Analysis
Is Camp Shelby Federal Credit Union Safe? Camp Shelby, Mississippi
Based on its Q2 2026 NCUA 5300 call report, Camp Shelby Federal Credit Union has a net worth ratio of 23.89%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.83%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Camp Shelby Federal Credit Union's net worth ratio is 23.89%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 23.89%
- Delinquency ratio (60+ days) (Q2 2026): 0.83%
- Return on assets (Q2 2026): 1.76%
- Loan-to-share ratio (Q2 2026): 66.91%
Camp Shelby Federal Credit Union (NCUA charter 18150, established 1967) reported $31.8M in assets and 3,066 members for Q2 2026 from Camp Shelby, Mississippi. It ranks 20 of 52 credit unions in Mississippi by total assets. Total assets grew 10.5% from $28.7M on June 30, 2025. It has 44 more members than on June 30, 2025 (+1.5%). Its net worth ratio was down 0.96 percentage points from 24.85% on June 30, 2025. Used vehicle loans are its largest loan category, $7.5M of $16.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.83% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 24.42% for Q1 2026; 24.85% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.72% for Q1 2026; 0.61% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.47% for Q1 2026; 1.29% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 68.50% for Q1 2026; 73.05% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $7.5M
- New vehicle loans: $4.0M
- Other secured non-real estate loans and lines of credit: $2.6M
- Other unsecured loans and lines of credit: $1.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $31.8M | 23.89% | 0.83% | 1.76% | 66.91% |
| March 31, 2026 | $30.5M | 24.42% | 0.72% | 0.47% | 68.50% |
| December 31, 2025 | $30.7M | 24.12% | 1.39% | 1.59% | 69.21% |
| September 30, 2025 | $28.9M | 25.20% | 0.53% | 2.07% | 73.27% |
| June 30, 2025 | $28.7M | 24.85% | 0.61% | 1.29% | 73.05% |
| March 31, 2025 | $28.6M | 24.64% | 0.67% | 1.27% | 74.51% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Camp Shelby Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 18150) · FFIEC NIC profile (RSSD 656180)
Frequently asked questions
Is Camp Shelby Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Camp Shelby Federal Credit Union's net worth ratio is 23.89%, above the 7% NCUA threshold for well capitalized.
Is Camp Shelby Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Camp Shelby Federal Credit Union is a federally insured credit union (NCUA charter 18150): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Camp Shelby Federal Credit Union's key safety ratios?
For Q2 2026, Camp Shelby Federal Credit Union reports net worth 23.89%, delinquency 0.83%, ROA 1.76%, loan-to-share 66.91%.
What happens to my money if Camp Shelby Federal Credit Union fails?
For Q2 2026, Camp Shelby Federal Credit Union held $23.9M in shares and deposits for 3,066 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.