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
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First Neshoba vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); First Neshoba sits in 90-94 with 747 others.
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
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).
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).
- One place up in Mississippi, SUNBELT (#14) ties at 90/100; one place down, Pearl Municipal (#16) scores 89/100, 1 point lower.
Quarter path for First Neshoba
First Neshoba: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +8.0% from $23.8M (2025Q4) to $25.7M (2026Q1).
- Net-worth ratio shifted -0.72 pp (13.02% → 12.30%).
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
First Neshoba gives up 10 points in total. Loan-to-Share Ratio costs the most, 5.2 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is First Neshoba financially healthy?
On its 2025Q4 NCUA 5300 filing, First Neshoba scores 90/100 (Excellent), with a 12.30% net worth ratio and 0.69% of loans delinquent. It ranks #1,106 of 4,374 nationally on health and #15 of 55 in Mississippi.
How does First Neshoba compare to other credit unions?
First Neshoba scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.53% vs 0.70%). Its widest shortfall is loan-to-share ratio (42.56% vs 59.80%).
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?
First Neshoba 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. First Neshoba's net worth ratio of 12.30% 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.