CITIZENS CHOICE Credit Union Profile

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CITIZENS CHOICE

Charter #17715 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (601) 442-5888

Fax: (601) 442-5857

Founding Date: N/A

Website: https://www.citizenscfcu.org/

Personnel & Operations

President: Mock, Charles

Manager: Smith, Patricia

FT Employees: 0

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 36

Branches: 1

Hours: Monday & Wednesday 1:30p.m. 5:00p.m. Tuesda

Credit Union Profile Summary

CITIZENS CHOICE is a FCU Credit Union. With a total of 375 members [1], this institution manages approximately $778,818 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 4.66% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -15.72% [1].

Financial Snapshot

Total Assets [1]
$778,818

Total economic resources.

Total Loans [1]
$358,191

Total value of outstanding loans.

Total Deposits [1]
$681,461

Total funds deposited by members.

Members [1]
375

Number of active members.

Performance Ratios

Net Worth Ratio [1]
4.66%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-2.58%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
52.56%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -22.07%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -15.72%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -8.54%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

101 Saint Catherine St

Natchez, MS, 39120
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 1 branches reported by CITIZENS CHOICE (Charter #17715).

Main Office

Citizens Choice Federal Credit Union Main Office

Type: Corporate Office

101 Saint Catherine St

Natchez, MS 39120

Phone: (601) 442-5888

Services: Member Services

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