Tombigbee Federal Credit Union Amory, Mississippi
Tombigbee Federal Credit Union is a federal credit union headquartered in Amory, MS, established in 1966 (NCUA charter 17681), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,032 members and total assets of $5.5M (down 4.7% from Q2 2025), the 43rd largest of 52 credit unions headquartered in Mississippi. Its net worth ratio was 19.37% at Q2 2026, in the well capitalized band.
Also written as Tombigbee FCU
BankRegReports is independent of Tombigbee 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
- 17681
- Headquarters
- Amory, MS
- Established
- 1966
- Total assets, Q2 2026
- $5.5M
- Assets vs Q2 2025
- -4.7%
- Members, Q2 2026
- 1,032
- Net worth ratio, Q2 2026
- 19.37%
- Latest call report
- Q2 2026, NCUA 5300 · Tombigbee Federal Credit Union call report
- Asset rank in state
- 43rd of 52 in Mississippi
- Routing number
- 284283067
- Branches
- 2
It has 35 fewer members than on June 30, 2025 (-3.3%). Its net worth ratio was up 1.80 percentage points from 17.57% on June 30, 2025. Used vehicle loans are its largest loan category, $1.1M of $2.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.18% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 19.37% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Mississippi
Frequently asked about Tombigbee Federal Credit Union
How big is Tombigbee Federal Credit Union?
At Q2 2026 it reported total assets of $5.5M and 1,032 members.
Where is Tombigbee Federal Credit Union headquartered?
It is headquartered in Amory, MS, United States.
When was Tombigbee Federal Credit Union founded?
It was established in 1966, per NCUA records.
Is Tombigbee Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 17681): 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 Tombigbee Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Tombigbee Federal Credit Union well capitalized?
Its net worth ratio was 19.37% 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 Tombigbee Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.18% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Tombigbee Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 62.36% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Amory, MS 38821
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1966
- NCUA Charter #
- 17681
- RSSD ID
- 519687
- Members
- 1,032
- Potential members
- 16,000
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 3 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 19.37% | 14.31% | 75th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.66% | 0.72% | 84th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 8.57% | 4.74% | 74th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.90% | 3.93% | 83rd top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 66.04% | 79.83% | 78th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.74% | 0.78% | 52nd above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.18% | 0.86% | 43rd below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.64% | 4.70% | 81st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 62.36% | 58.92% | 55th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.5M total assets against $5.8M; $4.4M total shares and deposits against $4.7M; $2.8M total loans against $2.8M.
$1.1M net worth against $1.0M.
19.37% net worth ratio against 17.57%.
62.36% loan-to-share ratio against 58.10%.
1.18% delinquency ratio against 1.49%.
1.66% return on assets against 2.77%; 8.57% return on equity against 15.77%.
4.90% net interest margin against 4.78%.
1,032 members against 1,067.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 19.37% | 1.66% | 1.18% | 62.36% |
| March 31, 2026 | 19.07% | 1.77% | 1.32% | 62.14% |
| December 31, 2025 | 18.46% | -0.39% | 2.04% | 62.01% |
| September 30, 2025 | 18.41% | 0.89% | 1.00% | 61.43% |
| June 30, 2025 | 17.57% | 2.77% | 1.49% | 58.10% |
| March 31, 2025 | 16.84% | 1.92% | 1.29% | 57.89% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.