Sep, 30, 2025 — CITIZENS CHOICE FEDERAL CREDIT UNION is a federal credit union headquartered in NATCHEZ, MS with 1 branch location and about $769,332 in total assets. Opened 60 years ago in 1966, CITIZENS CHOICE FEDERAL CREDIT UNION has about 365 members offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CITIZENS CHOICE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 101 Saint Catherine St NATCHEZ, MS 39120 |
| Phone: | (601) 442-5888 |
| Fax: | (601) 442-5857 |
| Website: | https://www.citizenschoicefederal.com/ |
| Branches: | 1 branch locations |
| Members: | 365 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 17715 |
|---|---|
| Membership Type: | Multiple common bond - Primarily federal, state, local government |
| Corporate Credit Union: | No |
| Year Opened: | 1966 |
| Last Audited: | Jul 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $769,332 |
| CEO/Manager: | Patricia D Smith |
| Chairperson: | Charles Mock |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 269,563 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 191,987 |
| Other Loans | 177,433 |
| TOTAL LOANS | 369,420 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -2,248 |
| Land And Building | 111,753 |
| Other Fixed Assets | 272 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 8,381 |
| All Other Assets | 0 |
| TOTAL ASSETS | 769,332 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 1,208 |
| Notes & Interest Payable | 50,000 |
| Accounts Payable & Other Liabilities | 6,020 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 677,782 |
| All Other Shares & Deposits | 0 |
| TOTAL SHARES & DEPOSITS | 677,782 |
| TOTAL LIABILITIES | 735,010 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 34,322 |
| TOTAL EQUITY | 34,322 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 769,332 |
| INCOME & EXPENSE | |
| Loan Income | 35,186 |
| Investment Income | 8,036 |
| Other Income | 8,995 |
| Total Employee Compensation & Benefits | 30,291 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 35,165 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,448 |
| Cost of Funds | 4,306 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -18,993 |
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