TWIN STATES FEDERAL CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.twinstatesfcu.com for more information.
Sep, 30, 2025 — TWIN STATES FEDERAL CREDIT UNION is a federal credit union headquartered in Columbus, MS with 1 branch location and about $7.10 million in total assets. Opened 61 years ago in 1965, TWIN STATES FEDERAL CREDIT UNION has about 1,779 members and employs 3 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | TWIN STATES FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 59 Yorkville Park Sq Columbus, MS 39702-9677 |
| Phone: | (662) 327-7666 |
| Fax: | (662) 329-4588 |
| Website: | https://www.twinstatesfcu.com |
| Branches: | 1 branch locations |
| Members: | 1,779 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 16590 |
|---|---|
| Membership Type: | Multiple common bond - Primarily other manufacturing |
| Corporate Credit Union: | No |
| Year Opened: | 1965 |
| Last Audited: | Nov 01, 2019 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $7,099,226 |
| CEO/Manager: | Melissa H Carter |
| Chairperson: | David Johnson |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,158,938 |
| TOTAL INVESTMENTS | 536,652 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 157,771 |
| Other Loans | 3,124,904 |
| TOTAL LOANS | 3,282,675 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -221,402 |
| Land And Building | 49,725 |
| Other Fixed Assets | 34,288 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 69,101 |
| All Other Assets | 189,249 |
| TOTAL ASSETS | 7,099,226 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 11,354 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 371,497 |
| Regular shares | 4,452,723 |
| All Other Shares & Deposits | 2,185,237 |
| TOTAL SHARES & DEPOSITS | 7,009,457 |
| TOTAL LIABILITIES | 7,020,811 |
| Regular Reserve | 78,415 |
| Other Reserves | 0 |
| Undivided Earnings | 0 |
| TOTAL EQUITY | 78,415 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 7,099,226 |
| INCOME & EXPENSE | |
| Loan Income | 316,109 |
| Investment Income | 12,815 |
| Other Income | 91,498 |
| Total Employee Compensation & Benefits | 135,486 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 191,169 |
| Non-operating Income & (Expense) | -135,989 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 366,126 |
| Cost of Funds | 72,495 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -480,843 |
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