Shelby/Bolivar County vs First Neshoba
Comparing a Credit Union in Boyle, MS with a Credit Union in Philadelphia, MS using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Shelby/Bolivar County ↗ Credit Union · Boyle, MS · Est. 1955 | First Neshoba ↗ Credit Union · Philadelphia, MS · Est. 1964 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Boyle, MS | Philadelphia, MS |
| Total assets | $4.7M | $25.7M |
| Net worth ratio | 19.0% | 12.3% |
| Return on assets | 1.6% | 1.0% |
| Shares & deposits | — | — |
| Members | 2,133 | 3,900 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 55 | #5 of 55 |
| Established | 1955 | 1964 |
Shelby/Bolivar County
- Assets: $4.7M
- Members: 2,133
- Capital ratio: 19.0%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #2 of 55
First Neshoba
- Assets: $25.7M
- Members: 3,900
- Capital ratio: 12.3%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #5 of 55
Are both institutions federally insured?
Yes. Shelby/Bolivar County is NCUA-insured and First Neshoba is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Shelby/Bolivar County or First Neshoba?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Shelby/Bolivar County scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Shelby/Bolivar County safe?
Yes — Shelby/Bolivar County is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is First Neshoba safe?
Yes — First Neshoba is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Shelby/Bolivar County vs First Neshoba?
Shelby/Bolivar County has a net worth ratio of 19.0%, placing it in the top 26% of <$100M peers. First Neshoba's ratio is 12.3%, placing it in the bottom 35% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Shelby/Bolivar County have compared to First Neshoba?
The CFPB database shows 0 complaints against Shelby/Bolivar County, and 0 complaints against First Neshoba. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Shelby/Bolivar County with other Credit Unions in Mississippi
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
