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
- RANK 75/100
- PHOTO 13.5%
- BOOK 23.48%
- CHARTER 3.04%
- NCUSIF $12.4M
- CAMELS 4,264
- HEALTH #3,264/4,374
- NW Mcalester Aap
- DELQ 24859
Call Report peers
First Unity in the assets neighbourhood
First Unity's $12.4M assets sit next to Mcalester Aap ($12.4M) 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 Unity 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
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
First Unity - Share Insurance Coverage
Charter #24859's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
First Unity Call Report trajectory
First Unity: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -5.4% from $12.4M (2025Q4) to $11.7M (2026Q1).
- Net-worth ratio shifted +3.63 pp (9.83% → 13.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- 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 |
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).
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
Two NCUA Call Report peer sets for First Unity, 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 ($12.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
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
- 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 Unity financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, First Unity carries a financial health score of 75/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,264 of 4,374; by total assets it ranks #3,438 of 4,374 nationally (same basis as /rankings/largest); and #34 of 55 within Mississippi. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.46% net worth ratio and a 23.48% delinquency rate.
How does First Unity compare to other credit unions?
75/100 is First Unity's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like First Unity 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 Unity's net worth ratio of 13.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Unity offer compared to banks?
Credit unions like First Unity 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 Unity 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.