Federal credit union · Philadelphia, Mississippi · NCUA charter #16435
First Neshoba
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $23.8M
- Total assets
- 3,900
- Members
- 12.3%
- Net-worth ratio
First Neshoba scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.8M; members 3,900; net-worth ratio 12.30%; health rank #1,106 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,106 of 4,374 health · 2025Q4First Neshoba · health 90/100 · $23.8M · 2025Q4
- ROA 90/100
- ASSETS 12.3%
- MEM 0.69%
- RANK 1.53%
- PHOTO $23.8M
- BOOK 3,900
- CHARTER #1,106/4,374
- NCUSIF PARISH
- CAMELS 16435
First Neshoba in the assets neighbourhood
First Neshoba's $23.8M assets sit next to PARISH ($23.8M) 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.
First Neshoba 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
90 Top 27% higher than 73% 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
First Neshoba - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #16435, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where First Neshoba diverges from peer averages
- Return on Assets leads the peer set - 1.53% here, 0.70% peer average (+0.82 pp).
- Largest lag: Loan-to-Share Ratio at 42.56% vs peer 59.80% (-17.24 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
First Neshoba: in-state Call Report ranks
- Health composite ranks #15 of 55 among scored Mississippi credit unions.
- Assets rank #26 of 55 inside Mississippi ($23.8M reported).
- Membership ranks #22 of 55 among Mississippi CUs with a reported count (3,900 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.
Quarter path for First Neshoba
First Neshoba: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +8.0% from $23.8M (2025Q4) to $25.7M (2026Q1).
- Net-worth ratio shifted -0.72 pp (13.02% → 12.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.30% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.1 pts
- Return on Assets 15.0 pts
- Member Growth 12.2 pts
- Loan-to-Share Ratio 9.7 pts
First Neshoba health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.30% | -2.56 pp |
| Delinquency Rate | 0.69% | -0.46 pp |
| Return on Assets | 1.53% | +0.82 pp |
| Member Growth | 2.63% | - |
| Loan-to-Share Ratio | 42.56% | -17.24 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
First Neshoba quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.7M | - |
| 2025Q4 | $23.8M | 3,900 |
| 2024Q4 | $22.6M | 3,800 |
| 2023Q4 | $21.6M | 3,800 |
Credit Union Details
- Charter Number
- 16435
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- Philadelphia
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, First Neshoba runs one office.
| Office | City |
|---|---|
| First Neshoba Federal Credit Union (Main Office) | Philadelphia, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
More federally-insured credit unions based in Mississippi, ordered by peer group match and asset size.
Other-state peers near First Neshoba
First Neshoba's nationwide photo peers by assets and by health score, excluding Mississippi charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($23.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- First Neshoba ranks #1,106 of 4,374 nationally on financial health and #15 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Gulf Trust is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Gulf Trust
- 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 First Neshoba financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, First Neshoba carries a financial health score of 90/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,106 of 4,374; by total assets it ranks #3,031 of 4,374 nationally (same basis as /rankings/largest); and #26 of 55 within Mississippi. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.30% net worth ratio and a 0.69% delinquency rate.
How does First Neshoba compare to other credit unions?
PlainCU's health composite puts First Neshoba at 90/100, compared to a peer group average for $10M–$50M 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 First Neshoba?
First Neshoba 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 First Neshoba directly for the exact boundaries and application steps.
Is my money safe at First Neshoba?
Federal credit unions like First Neshoba 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. First Neshoba's net worth ratio of 12.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Neshoba offer compared to banks?
Credit unions like First Neshoba 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 First Neshoba 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.