Federal credit union · Monticello, Mississippi · NCUA charter #18515
FERGUSON
Health score 53/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $94.6M
- Total assets
- 10,272
- Members
- 9.7%
- Net-worth ratio
FERGUSON scores 53/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $94.6M; members 10,272; net-worth ratio 9.68%; health rank #4,225 of 4,374; healthier than 3rd of scored peers.
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NCUA 5300 Call Report Masthead
#4,225 of 4,374 health · 2025Q4FERGUSON · health 53/100 · $94.6M · 2025Q4
Call Report peers
FERGUSON in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FERGUSON vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FERGUSON sits in 50-54 with 82 others.
53 3rd percentile higher than 3% 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 FERGUSON diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 75.63% vs peer 62.60% (+13.03 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.94 pp (9.68% vs 13.62%).
Where FERGUSON sits in Mississippi
- Health composite ranks #49 of 55 among scored Mississippi credit unions.
- By total assets, FERGUSON is #15 of 55 in Mississippi.
- Mississippi membership ordinal: #15 of 55.
- One place up in Mississippi, HEALTHPLUS (#48) scores 56/100, 3 points higher; one place down, Shelby/Bolivar County (#50) scores 50/100, 3 points lower.
FERGUSON: 2025Q4 → 2026Q1
FERGUSON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $94.6M (2025Q4) to $96.2M (2026Q1).
- Net-worth ratio shifted -0.09 pp (9.77% → 9.68%).
This credit union's 9.68% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 53/100 score is built
FERGUSON gives up 47 points in total. Delinquency Rate costs the most, 25 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 29.2 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.68% | -3.94 pp |
| Delinquency Rate | 4.76% | +3.80 pp |
| Return on Assets | -0.65% | -1.30 pp |
| Member Growth | -0.26% | - |
| Loan-to-Share Ratio | 75.63% | +13.03 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - FERGUSON
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $96.2M | - |
| 2025Q4 | $94.6M | 10,272 |
| 2024Q4 | $100.3M | 10,299 |
| 2023Q4 | $89.8M | 9,665 |
Credit Union Details
- Charter Number
- 18515
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Mississippi
- City
- Monticello
- Data Quarter
- 2025Q4
Branch Locations (8)
FERGUSON operates 8 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Ferguson FCU Headquarters (Main Office) | Monticello, MS |
| Brookhaven Branch | Brookhaven, MS |
| Columbia Branch | COLUMBIA, MS |
| Mortgage & Business Center | Columbia, MS |
| Magee Branch | Magee, MS |
| Monticello Branch | Monticello, MS |
| GP Branch | Monticello, MS |
| New Hebron Branch | NewHebron, 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.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- FERGUSON ranks #4,225 of 4,374 nationally on financial health and #49 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- 1st Mississippi is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with 1st Mississippi
Frequently Asked Questions
Is FERGUSON financially healthy?
On its 2025Q4 NCUA 5300 filing, FERGUSON scores 53/100 (Fair), with a 9.68% net worth ratio and 4.76% of loans delinquent. It ranks #4,225 of 4,374 nationally on health and #49 of 55 in Mississippi.
How does FERGUSON compare to other credit unions?
FERGUSON scores 53/100, higher than 3% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (75.63% vs 62.60%). Its widest shortfall is net worth ratio (9.68% vs 13.62%).
How can I join FERGUSON?
FERGUSON 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 FERGUSON directly for the exact boundaries and application steps.
Is my money safe at FERGUSON?
FERGUSON 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. FERGUSON's net worth ratio of 9.68% 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.