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
Call Report peers
1st Mississippi in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); 1st Mississippi sits in 95-99 with 391 others.
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
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).
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.
- One place up in Mississippi, Singing River (#2) scores 98/100, 3 points higher; one place down, KEESLER (#4) ties at 95/100.
How 1st Mississippi's 5300 filing moved
1st Mississippi: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $80.8M (2025Q4) to $81.9M (2026Q1).
- Net-worth ratio shifted -0.25 pp (28.84% → 28.59%).
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
1st Mississippi gives up 5 points in total. Delinquency Rate costs the most, 3.7 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is 1st Mississippi financially healthy?
On its 2025Q4 NCUA 5300 filing, 1st Mississippi scores 95/100 (Excellent), with a 28.59% net worth ratio and 0.87% of loans delinquent. It ranks #304 of 4,374 nationally on health and #3 of 55 in Mississippi.
How does 1st Mississippi compare to other credit unions?
1st Mississippi scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (92.13% vs 62.60%).
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?
1st Mississippi is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.