Singing River Federal Credit Union Moss Point, Mississippi
Singing River Federal Credit Union is a federal credit union headquartered in Moss Point, MS, established in 1953 (NCUA charter 8694), and it is regulated and insured by the NCUA. At Q2 2026 it reported 33,511 members and total assets of $397.4M (up 3.0% from Q2 2025), the 5th largest of 52 credit unions headquartered in Mississippi. Its net worth ratio was 11.41% at Q2 2026, in the well capitalized band.
Also written as Singing River FCU
BankRegReports is independent of Singing River Federal Credit Union and never asks for online banking logins or passwords.
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
- 8694
- Headquarters
- Moss Point, MS
- Established
- 1953
- Total assets, Q2 2026
- $397.4M
- Assets vs Q2 2025
- +3.0%
- Members, Q2 2026
- 33,511
- Net worth ratio, Q2 2026
- 11.41%
- Latest call report
- Q2 2026, NCUA 5300 · Singing River Federal Credit Union call report
- Asset rank in state
- 5th of 52 in Mississippi
- Routing number
- 265377840
- Branches
- 8
It has 1,613 more members than on June 30, 2025 (+5.1%). Its net worth ratio was up 0.16 percentage points from 11.25% on June 30, 2025. Used vehicle loans are its largest loan category, $141.8M of $324.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.55% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.41% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Mississippi
Credit unions merged into Singing River Federal Credit Union
Muna Federal Credit Union (2025)
Frequently asked about Singing River Federal Credit Union
How big is Singing River Federal Credit Union?
At Q2 2026 it reported total assets of $397.4M and 33,511 members.
Where is Singing River Federal Credit Union headquartered?
It is headquartered in Moss Point, MS, United States.
When was Singing River Federal Credit Union founded?
It was established in 1953, per NCUA records.
Is Singing River Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 8694): 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 Singing River Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Singing River Federal Credit Union well capitalized?
Its net worth ratio was 11.41% 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 Singing River Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.55% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Singing River Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 93.20% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Moss Point, MS 39563
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 8694
- RSSD ID
- 291086
- Members
- 33,511
- Potential members
- 1,299,660
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.41% | 11.43% | 50th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | -0.24% | 0.81% | under 10th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | -2.07% | 7.02% | under 10th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.95% | 3.70% | over 90th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 66.34% | 76.55% | 79th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.51% | 1.24% | 29th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.55% | 0.68% | 62nd above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 6.46% | 4.92% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 93.20% | 75.66% | 89th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$397.4M total assets against $385.8M; $348.3M total shares and deposits against $341.9M; $324.6M total loans against $317.7M.
$45.3M net worth against $43.4M.
11.41% net worth ratio against 11.25%.
93.20% loan-to-share ratio against 92.92%.
0.55% delinquency ratio against 0.43%.
-0.24% return on assets against 0.83%; -2.07% return on equity against 7.41%.
4.95% net interest margin against 4.54%.
33,511 members against 31,898.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.41% | -0.24% | 0.55% | 93.20% |
| March 31, 2026 | 11.35% | 1.54% | 0.58% | 91.91% |
| December 31, 2025 | 11.21% | 0.51% | 0.40% | 93.73% |
| September 30, 2025 | 11.42% | 0.63% | 0.32% | 94.67% |
| June 30, 2025 | 11.25% | 0.83% | 0.43% | 92.92% |
| March 31, 2025 | 10.97% | 0.36% | 0.58% | 89.15% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.