Federal credit union · HAMILTON, Mississippi · NCUA charter #19538
AMPOT
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $15.2M
- Total assets
- 2,146
- Members
- 11.3%
- Net-worth ratio
AMPOT scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.2M; members 2,146; net-worth ratio 11.34%; health rank #1,287 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,287 of 4,374 health · 2025Q4AMPOT · health 89/100 · $15.2M · 2025Q4
Call Report peers
AMPOT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
AMPOT vs every NCUA-scored credit union
AMPOT sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
Peer-gap read for AMPOT
- Strongest edge vs 1163 $10M–$50M peers is Return on Assets: +0.17 pp (0.88% vs 0.70%).
- Net Worth Ratio trails the peer set - 11.34% here, 14.86% peer average (-3.52 pp).
Where AMPOT sits in Mississippi
- In Mississippi, health place is #19 of 55 on the same NCUA-ratio sort used nationally.
- Assets rank #29 of 55 inside Mississippi ($15.2M reported).
- Mississippi membership ordinal: #30 of 55.
- One place up in Mississippi, Mississippi Dhs (#18) ties at 89/100; one place down, DELTA (#20) scores 88/100, 1 point lower.
Quarter path for AMPOT
AMPOT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $15.2M (2025Q4) to $15.3M (2026Q1).
- Net-worth ratio shifted -0.89 pp (12.23% → 11.34%).
11.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
AMPOT gives up 11 points in total. Delinquency Rate costs the most, 8.5 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.5 pts
- Return on Assets 15.0 pts
- Member Growth 14.9 pts
- Loan-to-Share Ratio 12.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.34% | -3.52 pp |
| Delinquency Rate | 1.47% | +0.33 pp |
| Return on Assets | 0.88% | +0.17 pp |
| Member Growth | 4.89% | - |
| Loan-to-Share Ratio | 57.48% | -2.32 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
AMPOT quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $15.3M | - |
| 2025Q4 | $15.2M | 2,146 |
| 2024Q4 | $16.1M | 2,046 |
| 2023Q4 | $15.7M | 1,941 |
Credit Union Details
- Charter Number
- 19538
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- HAMILTON
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, AMPOT runs 2 offices.
| Office | City |
|---|---|
| AMPOT FCU (Main Office) | Hamilton, MS |
| Disaster Recovery Site | Hamilton, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
A look at other Mississippi credit unions, ranked by how closely their peer group and asset size match this one.
AMPOT nationwide neighbourhoods
Using this data
- AMPOT ranks #1,287 of 4,374 nationally on financial health and #19 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cm Members is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cm Members
Frequently Asked Questions
Is AMPOT financially healthy?
On its 2025Q4 NCUA 5300 filing, AMPOT scores 89/100 (Excellent), with a 11.34% net worth ratio and 1.47% of loans delinquent. It ranks #1,287 of 4,374 nationally on health and #19 of 55 in Mississippi.
How does AMPOT compare to other credit unions?
AMPOT scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (0.88% vs 0.70%). Its widest shortfall is net worth ratio (11.34% vs 14.86%).
How can I join AMPOT?
AMPOT 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 AMPOT directly for the exact boundaries and application steps.
Is my money safe at AMPOT?
AMPOT 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. AMPOT's net worth ratio of 11.34% 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.