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
- MEM 80/100
- RANK 16.4%
- PHOTO 2.07%
- BOOK 1.24%
- CHARTER $137.3M
- NCUSIF 12,842
- CAMELS #2,703/4,374
- HEALTH Healthcare Systems
- NW 24668
Call Report peers
CENTURYFIRST in the assets neighbourhood
CENTURYFIRST's $137.3M assets sit next to Healthcare Systems ($137.3M) 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.
CENTURYFIRST 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
80 36th percentile higher than 36% 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
CENTURYFIRST - Share Insurance Coverage
Charter #24668'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.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 CENTURYFIRST's 5300 filing moved
CENTURYFIRST: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $137.3M (2025Q4) to $141.7M (2026Q1).
- Net-worth ratio shifted +0.67 pp (15.74% → 16.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for CENTURYFIRST - kept outside Mississippi; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($137.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
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
- 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 CENTURYFIRST financially healthy?
CENTURYFIRST has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,703 of 4,374; by total assets it ranks #1,562 of 4,374 nationally (same basis as /rankings/largest); and #12 of 55 within Mississippi. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.41% and delinquency rate of 2.07%.
How does CENTURYFIRST compare to other credit unions?
PlainCU's health composite puts CENTURYFIRST at 80/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like CENTURYFIRST 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. CENTURYFIRST's net worth ratio of 16.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CENTURYFIRST offer compared to banks?
Credit unions like CENTURYFIRST 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 CENTURYFIRST 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.