CM Members Federal Credit Union Columbus, Mississippi
CM Members Federal Credit Union is a federal credit union headquartered in Columbus, MS, established in 1961 (NCUA charter 24881), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,890 members and total assets of $16.5M (up 4.3% from Q2 2025), the 27th largest of 52 credit unions headquartered in Mississippi. Its net worth ratio was 15.56% at Q2 2026, in the well capitalized band.
Also written as CM Members FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24881
- Headquarters
- Columbus, MS
- Established
- 1961
- Total assets, Q2 2026
- $16.5M
- Assets vs Q2 2025
- +4.3%
- Members, Q2 2026
- 1,890
- Net worth ratio, Q2 2026
- 15.56%
- Latest call report
- Q2 2026, NCUA 5300 · CM Members Federal Credit Union call report
- Asset rank in state
- 27th of 52 in Mississippi
- Routing number
- 284283203
- Branches
- 2
It has 32 more members than on June 30, 2025 (+1.7%). Its net worth ratio was down 0.49 percentage points from 16.05% on June 30, 2025. Used vehicle loans are its largest loan category, $3.4M of $7.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.51% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 15.56% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Mississippi
Frequently asked about CM Members Federal Credit Union
How big is CM Members Federal Credit Union?
At Q2 2026 it reported total assets of $16.5M and 1,890 members.
Where is CM Members Federal Credit Union headquartered?
It is headquartered in Columbus, MS, United States.
When was CM Members Federal Credit Union founded?
It was established in 1961, per NCUA records.
Is CM Members Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24881): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates CM Members Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is CM Members Federal Credit Union well capitalized?
Its net worth ratio was 15.56% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is CM Members Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.51% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is CM Members Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 52.01% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Columbus, MS 39701
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1961
- NCUA Charter #
- 24881
- RSSD ID
- 344580
- Members
- 1,890
- Potential members
- 2,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 15.56% | 14.31% | 56th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.49% | 0.72% | 40th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.15% | 4.74% | 39th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.23% | 3.93% | 23rd bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 85.42% | 79.83% | 38th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.18% | 0.78% | 28th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.51% | 0.86% | 67th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.41% | 4.70% | 35th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 52.01% | 58.92% | 40th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$16.5M total assets against $15.8M; $14.1M total shares and deposits against $13.4M; $7.3M total loans against $8.1M.
$2.6M net worth against $2.5M.
15.56% net worth ratio against 16.05%.
52.01% loan-to-share ratio against 60.53%.
0.51% delinquency ratio against 0.30%.
0.49% return on assets against 0.94%; 3.15% return on equity against 5.85%.
3.23% net interest margin against 3.50%.
1,890 members against 1,858.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.56% | 0.49% | 0.51% | 52.01% |
| March 31, 2026 | 15.54% | 0.88% | 0.56% | 54.07% |
| December 31, 2025 | 15.79% | -1.34% | 0.21% | 58.67% |
| September 30, 2025 | 16.24% | 1.03% | 0.36% | 62.05% |
| June 30, 2025 | 16.05% | 0.94% | 0.30% | 60.53% |
| March 31, 2025 | 16.46% | 1.21% | 0.48% | 64.28% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.