Federal credit union · Meridian, Mississippi · NCUA charter #21073
1st Mississippi
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $80.8M
- Total assets
- 10,428
- Members
- 28.6%
- Net-worth ratio
1st Mississippi scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $80.8M; members 10,428; net-worth ratio 28.59%; health rank #304 of 4,374; healthier than 90th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#304 of 4,374 health · 2025Q41st Mississippi · health 95/100 · $80.8M · 2025Q4
- MEM 95/100
- RANK 28.6%
- PHOTO 0.87%
- BOOK 1.10%
- CHARTER $80.8M
- NCUSIF 10,428
- CAMELS #304/4,374
- HEALTH Christian Family
- NW 21073
Call Report peers
1st Mississippi in the assets neighbourhood
1st Mississippi's $80.8M assets sit next to Christian Family ($80.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
1st Mississippi vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
1st Mississippi - Share Insurance Coverage
Charter #21073's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where 1st Mississippi diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 92.13% here, 62.60% peer average (+29.53 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where 1st Mississippi sits in Mississippi
- In Mississippi, health place is #3 of 55 on the same NCUA-ratio sort used nationally.
- Assets rank #16 of 55 inside Mississippi ($80.8M reported).
- Member book place in Mississippi: #14 of 55.
In-state ordinals use the live credit_unions table for MS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How 1st Mississippi's 5300 filing moved
1st Mississippi: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $80.8M (2025Q4) to $81.9M (2026Q1).
- Net-worth ratio shifted -0.25 pp (28.84% → 28.59%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 28.59% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.3 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.7 pts
Call Report ratios for 1st Mississippi
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 28.59% | +14.97 pp |
| Delinquency Rate | 0.87% | -0.09 pp |
| Return on Assets | 1.10% | +0.44 pp |
| Member Growth | 8.52% | - |
| Loan-to-Share Ratio | 92.13% | +29.53 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
1st Mississippi filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $81.9M | - |
| 2025Q4 | $80.8M | 10,428 |
| 2024Q4 | $80.4M | 9,609 |
| 2023Q4 | $78.3M | 11,102 |
Credit Union Details
- Charter Number
- 21073
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Mississippi
- City
- Meridian
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, 1st Mississippi runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Meridian, MS |
| Quitman Branch | Quitman, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
Other federally-insured credit unions in Mississippi, closest first by peer group and asset size.
1st Mississippi nationwide neighbourhoods
Two NCUA Call Report peer sets for 1st Mississippi, both outside Mississippi so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($80.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- 1st Mississippi ranks #304 of 4,374 nationally on financial health and #3 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Meridian Mutual is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Meridian Mutual
- Rates and health both vary by institution, not just by state -- see how Mississippi credit unions compare overall before assuming this one is typical. Mississippi state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is 1st Mississippi financially healthy?
Yes/no aside, the number is 95/100 (Excellent) - 1st Mississippi's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #304 of 4,374; by total assets it ranks #2,009 of 4,374 nationally (same basis as /rankings/largest); and #16 of 55 within Mississippi. Above 80 reads excellent, below 50 warrants closer monitoring; a 28.59% net worth ratio and 0.87% delinquency rate are the key drivers.
How does 1st Mississippi compare to other credit unions?
1st Mississippi scores 95/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join 1st Mississippi?
1st Mississippi operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact 1st Mississippi directly for the exact boundaries and application steps.
Is my money safe at 1st Mississippi?
Federal credit unions like 1st Mississippi are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 1st Mississippi's net worth ratio of 28.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does 1st Mississippi offer compared to banks?
Credit unions like 1st Mississippi are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 1st Mississippi directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.