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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,225 of 4,374 health · 2025Q4FERGUSON · health 53/100 · $94.6M · 2025Q4
- ROA 53/100
- ASSETS 9.7%
- MEM 4.76%
- RANK -0.65%
- PHOTO $94.6M
- BOOK 10,272
- CHARTER #4,225/4,374
- NCUSIF UNIVERSAL
- CAMELS 18515
Call Report peers
FERGUSON in the assets neighbourhood
FERGUSON's $94.6M assets sit next to UNIVERSAL ($94.6M) 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.
FERGUSON 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
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
FERGUSON - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #18515. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
FERGUSON: 2025Q4 → 2026Q1
FERGUSON: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $94.6M (2025Q4) to $96.2M (2026Q1).
- Net-worth ratio shifted -0.09 pp (9.77% → 9.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 53.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for FERGUSON, both outside Mississippi so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($94.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (53/100 here).
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
- 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 FERGUSON financially healthy?
Yes/no aside, the number is 53/100 (Fair) - FERGUSON's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,225 of 4,374; by total assets it ranks #1,869 of 4,374 nationally (same basis as /rankings/largest); and #15 of 55 within Mississippi. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.68% net worth ratio and 4.76% delinquency rate are the key drivers.
How does FERGUSON compare to other credit unions?
Five weighted metrics from NCUA filings produce FERGUSON's 53/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like FERGUSON 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. FERGUSON's net worth ratio of 9.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FERGUSON offer compared to banks?
Credit unions like FERGUSON 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 FERGUSON 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.