Federal credit union · HATTIESBURG, Mississippi · NCUA charter #24668
Centuryfirst
Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $137.3M
- Total assets
- 12,842
- Members
- 8.1%
- Net-worth ratio
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.
Centuryfirst - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)84
- Asset quality (delinquency)48
- Earnings (ROA)100
- Member growth73
- Liquidity (loan-to-share)77
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.09%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.09% | 30% |
| Delinquency Rate | 2.07% | 25% |
| Return on Assets | 1.24% | 15% |
| Member Growth | 1.63% | 15% |
| Loan-to-Share Ratio | 97.68% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Centuryfirst
12,842 members and $137.3M in total assets sit behind Centuryfirst, a federal credit union in HATTIESBURG, Mississippi, which posts a health score of 75/100 (Very Good) on the five-factor composite, with $113.2M in outstanding loans as of Q4 2025 and a net worth ratio of 8.09% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24668 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 2.07% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers - and a 97.68% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.24% on net income of $1.7M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.63%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Mississippi
Other federally-insured credit unions in Mississippi, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Centuryfirst financially healthy?
Centuryfirst has a financial health score of 75/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.09% and delinquency rate of 2.07%.
How does Centuryfirst compare to other credit unions?
PlainCU's health composite puts Centuryfirst at 75/100, 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 8.09% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.