Sunbelt Federal Credit Union Laurel, Mississippi
Sunbelt Federal Credit Union is a federal credit union headquartered in Laurel, MS, established in 1953 (NCUA charter 8905), and it is regulated and insured by the NCUA. At Q2 2026 it reported 34,960 members and total assets of $366.4M (up 9.9% from Q2 2025), the 6th largest of 52 credit unions headquartered in Mississippi. Its net worth ratio was 16.22% at Q2 2026, in the well capitalized band.
Also written as Sunbelt 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
- 8905
- Headquarters
- Laurel, MS
- Established
- 1953
- Total assets, Q2 2026
- $366.4M
- Assets vs Q2 2025
- +9.9%
- Members, Q2 2026
- 34,960
- Net worth ratio, Q2 2026
- 16.22%
- Latest call report
- Q2 2026, NCUA 5300 · Sunbelt Federal Credit Union call report
- Asset rank in state
- 6th of 52 in Mississippi
- Routing number
- 265377633
- Branches
- 11
It has 1,141 fewer members than on June 30, 2025 (-3.2%). Its net worth ratio was down 0.63 percentage points from 16.85% on June 30, 2025. Used vehicle loans are its largest loan category, $114.9M of $237.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.39% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 16.22% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Mississippi
Credit unions merged into Sunbelt Federal Credit Union
Credit Union South (2019)
Frequently asked about Sunbelt Federal Credit Union
How big is Sunbelt Federal Credit Union?
At Q2 2026 it reported total assets of $366.4M and 34,960 members.
Where is Sunbelt Federal Credit Union headquartered?
It is headquartered in Laurel, MS, United States.
When was Sunbelt Federal Credit Union founded?
It was established in 1953, per NCUA records.
Is Sunbelt Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 8905): 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 Sunbelt Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Sunbelt Federal Credit Union well capitalized?
Its net worth ratio was 16.22% 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 Sunbelt Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.39% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Sunbelt Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 77.88% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Laurel, MS 39440
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 8905
- RSSD ID
- 303381
- Members
- 34,960
- Potential members
- 252,677
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 3 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: 9.81% to 13.58% | 16.22% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.10% | 0.81% | 67th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 6.74% | 7.02% | 48th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.61% | 3.70% | over 90th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 78.48% | 76.55% | 43rd below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.67% | 1.24% | 20th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.39% | 0.68% | 75th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 6.28% | 4.92% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 77.88% | 75.66% | 55th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$366.4M total assets against $333.5M; $305.2M total shares and deposits against $276.3M; $237.7M total loans against $202.9M.
$59.5M net worth against $56.4M.
16.22% net worth ratio against 16.85%.
77.88% loan-to-share ratio against 73.42%.
0.39% delinquency ratio against 0.42%.
1.10% return on assets against 0.80%; 6.74% return on equity against 4.71%.
4.61% net interest margin against 4.58%.
34,960 members against 36,101.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.22% | 1.10% | 0.39% | 77.88% |
| March 31, 2026 | 15.78% | 0.69% | 0.49% | 74.64% |
| December 31, 2025 | 16.58% | 1.19% | 0.61% | 76.66% |
| September 30, 2025 | 16.82% | 1.34% | 0.54% | 77.02% |
| June 30, 2025 | 16.85% | 0.80% | 0.42% | 73.42% |
| March 31, 2025 | 16.70% | 0.91% | 0.63% | 69.75% |
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.