Federal credit union · HATTIESBURG, Mississippi · NCUA charter #24668
CENTURYFIRST
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $137.3M
- Total assets
- 12,842
- Members
- 16.4%
- Net-worth ratio
CENTURYFIRST scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $137.3M; members 12,842; net-worth ratio 16.41%; health rank #2,703 of 4,374; healthier than 36th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,703 of 4,374 health · 2025Q4CENTURYFIRST · health 80/100 · $137.3M · 2025Q4
Call Report peers
CENTURYFIRST in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CENTURYFIRST vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CENTURYFIRST sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for CENTURYFIRST
- Largest favorable gap: Loan-to-Share Ratio at 97.68% vs peer 72.20% (+25.48 pp).
- Widest shortfall vs peers is Delinquency Rate: +1.18 pp (2.07% vs 0.89%).
CENTURYFIRST: in-state Call Report ranks
- Health composite ranks #31 of 55 among scored Mississippi credit unions.
- By total assets, CENTURYFIRST is #12 of 55 in Mississippi.
- Membership ranks #10 of 55 among Mississippi CUs with a reported count (12,842 members).
- One place up in Mississippi, Pine Belt (#30) ties at 80/100; one place down, Biloxi Teachers (#32) ties at 80/100.
How CENTURYFIRST's 5300 filing moved
CENTURYFIRST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $137.3M (2025Q4) to $141.7M (2026Q1).
- Net-worth ratio shifted +0.67 pp (15.74% → 16.41%).
At 16.41%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
CENTURYFIRST gives up 20 points in total. Delinquency Rate costs the most, 12.9 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.1 pts
- Return on Assets 15.0 pts
- Member Growth 11.0 pts
- Loan-to-Share Ratio 11.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.41% | +4.30 pp |
| Delinquency Rate | 2.07% | +1.18 pp |
| Return on Assets | 1.24% | +0.62 pp |
| Member Growth | 1.63% | - |
| Loan-to-Share Ratio | 97.68% | +25.48 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - CENTURYFIRST
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $141.7M | - |
| 2025Q4 | $137.3M | 12,842 |
| 2024Q4 | $92.7M | 12,636 |
| 2023Q4 | $90.0M | 11,490 |
Credit Union Details
- Charter Number
- 24668
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Mississippi
- City
- HATTIESBURG
- Data Quarter
- 2025Q4
Branch Locations (8)
CENTURYFIRST operates 8 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | HATTIESBURG, MS |
| Clinton Office | Clinton, MS |
| Downtown Branch | Hattiesburg, MS |
| Administrative Building | Hattiesburg, MS |
| Laurel Branch | Laurel, MS |
| Petal Branch | Petal, MS |
| Senatobia Office | Senatobia, MS |
| Southaven Office | Southaven, 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.
Cross-state Call Report peers for CENTURYFIRST
Similar total assets
Similar health score
Using this data
- CENTURYFIRST ranks #2,703 of 4,374 nationally on financial health and #31 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members Exchange is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members Exchange
Frequently Asked Questions
Is CENTURYFIRST financially healthy?
CENTURYFIRST has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,703 of 4,374 nationally on health and #31 of 55 in Mississippi. Its net worth ratio is 16.41% and its delinquency rate 2.07%.
How does CENTURYFIRST compare to other credit unions?
CENTURYFIRST scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (97.68% vs 72.20%). Its widest shortfall is delinquency rate (2.07% vs 0.89%).
How can I join CENTURYFIRST?
CENTURYFIRST 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 CENTURYFIRST directly for the exact boundaries and application steps.
Is my money safe at CENTURYFIRST?
CENTURYFIRST 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. CENTURYFIRST's net worth ratio of 16.41% 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.