Federal credit union · McComb, Mississippi · NCUA charter #24859
First Unity
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $12.4M
- Total assets
- 4,264
- Members
- 13.5%
- Net-worth ratio
First Unity scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.4M; members 4,264; net-worth ratio 13.46%; health rank #3,264 of 4,374; healthier than 24th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,264 of 4,374 health · 2025Q4First Unity · health 75/100 · $12.4M · 2025Q4
Call Report peers
First Unity in the assets neighbourhood
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First Unity vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); First Unity sits in 75-79 with 502 others.
75 24th percentile higher than 24% 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
Peer-gap read for First Unity
- Loan-to-Share Ratio leads the peer set - 88.94% here, 59.80% peer average (+29.14 pp).
- Largest lag: Delinquency Rate at 23.48% vs peer 1.15% (+22.34 pp).
Mississippi standing for First Unity
- In Mississippi, health place is #40 of 55 on the same NCUA-ratio sort used nationally.
- Assets rank #34 of 55 inside Mississippi ($12.4M reported).
- Member book place in Mississippi: #20 of 55.
- One place up in Mississippi, HOPE (#39) ties at 75/100; one place down, Gulf Coast Community (#41) scores 73/100, 2 points lower.
First Unity Call Report trajectory
First Unity: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -5.4% from $12.4M (2025Q4) to $11.7M (2026Q1).
- Net-worth ratio shifted +3.63 pp (9.83% → 13.46%).
This credit union's 13.46% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
First Unity gives up 25 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for First Unity
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.46% | -1.40 pp |
| Delinquency Rate | 23.48% | +22.34 pp |
| Return on Assets | 3.04% | +2.33 pp |
| Member Growth | 5.28% | - |
| Loan-to-Share Ratio | 88.94% | +29.14 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - First Unity
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.7M | - |
| 2025Q4 | $12.4M | 4,264 |
| 2024Q4 | $12.0M | 4,050 |
| 2023Q4 | $12.0M | 3,676 |
Credit Union Details
- Charter Number
- 24859
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- McComb
- Data Quarter
- 2025Q4
Branch Locations (2)
First Unity operates 2 offices in McComb, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | McComb, MS |
| Disaster Recovery Location | McComb, 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 Unity
Using this data
- First Unity ranks #3,264 of 4,374 nationally on financial health and #40 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Vicksburg Railroad is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Vicksburg Railroad
Frequently Asked Questions
Is First Unity financially healthy?
On its 2025Q4 NCUA 5300 filing, First Unity scores 75/100 (Very Good), with a 13.46% net worth ratio and 23.48% of loans delinquent. It ranks #3,264 of 4,374 nationally on health and #40 of 55 in Mississippi.
How does First Unity compare to other credit unions?
First Unity scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (88.94% vs 59.80%). Its widest shortfall is delinquency rate (23.48% vs 1.15%).
How can I join First Unity?
First Unity 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 Unity directly for the exact boundaries and application steps.
Is my money safe at First Unity?
First Unity 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 Unity's net worth ratio of 13.46% 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.