CITIZENS CHOICE
Charter #17715 · Natchez, MS · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 2.36% sits at the 0th percentile of structural peers — worth a closer look.
- Return on average assets of -6.87% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 7.49% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of -0.31% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 9.83% sits at the 92nd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CITIZENS CHOICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 697,322 | 13th pct | 11th pct |
| Members | 394 | 34th pct | 39th pct |
| Net worth ratio | 2.36% | 1th pct | 0th pct |
| Return on average assets | -6.87% | 3th pct | 7th pct |
| Net interest margin | 7.49% | 98th pct | 98th pct |
| Cost of funds | -0.31% | 0th pct | 0th pct |
| Loan-to-share | 49.26% | 39th pct | 43th pct |
| Delinquency 60+ days | 9.83% | 95th pct | 92th pct |
| Net charge-off ratio | 0.09% | 75th pct | 64th pct |
| Loan growth YoY | -10.00% | 28th pct | 36th pct |
| Share growth YoY | -0.42% | 46th pct | 66th pct |
| Efficiency ratio | 180.75% | 95th pct | 85th pct |
structural peer set hash: f9cc05b3ca85f11d986e03a59507ebd9… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.