Credit Union Safety Analysis
Is Issaquena County Federal Credit Union Safe? Mayersville, Mississippi
Based on its Q2 2026 NCUA 5300 call report, Issaquena County Federal Credit Union has a net worth ratio of 14.17%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 8.94%, 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, Issaquena County Federal Credit Union's net worth ratio is 14.17%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.17%
- Delinquency ratio (60+ days) (Q2 2026): 8.94%
- Return on assets (Q2 2026): -0.95%
- Loan-to-share ratio (Q2 2026): 43.82%
Issaquena County Federal Credit Union (NCUA charter 19253, established 1969) reported $870K in assets and 524 members for Q2 2026 from Mayersville, Mississippi. It ranks 52 of 52 credit unions in Mississippi by total assets. Total assets fell 18.3% from $1.1M on June 30, 2025. It has 1 more member than on June 30, 2025 (+0.2%). Its net worth ratio was up 1.97 percentage points from 12.20% on June 30, 2025. Used vehicle loans are its largest loan category, $318K of $324K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 8.94% is above 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: 13.90% for Q1 2026; 12.20% 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: 12.35% for Q1 2026; 10.73% 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: 5.76% for Q1 2026; 3.30% 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: 43.13% for Q1 2026; 48.17% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $318K
- Other unsecured loans and lines of credit: $5K
- Other secured non-real estate loans and lines of credit: $1K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $870K | 14.17% | 8.94% | -0.95% | 43.82% |
| March 31, 2026 | $905K | 13.90% | 12.35% | 5.76% | 43.13% |
| December 31, 2025 | $973K | 11.62% | 22.44% | -5.11% | 43.43% |
| September 30, 2025 | $1.0M | 12.13% | 12.26% | -1.61% | 47.69% |
| June 30, 2025 | $1.1M | 12.20% | 10.73% | 3.30% | 48.17% |
| March 31, 2025 | $1.1M | 10.94% | 15.56% | -1.70% | 46.63% |
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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.
Issaquena County Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 19253) · FFIEC NIC profile (RSSD 1017582)
Frequently asked questions
Is Issaquena County Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Issaquena County Federal Credit Union's net worth ratio is 14.17%, above the 7% NCUA threshold for well capitalized.
Is Issaquena County Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Issaquena County Federal Credit Union is a federally insured credit union (NCUA charter 19253): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Issaquena County Federal Credit Union's key safety ratios?
For Q2 2026, Issaquena County Federal Credit Union reports net worth 14.17%, delinquency 8.94%, ROA -0.95%, loan-to-share 43.82%.
What happens to my money if Issaquena County Federal Credit Union fails?
For Q2 2026, Issaquena County Federal Credit Union held $739K in shares and deposits for 524 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.