Federal credit union · NATCHEZ, Mississippi · NCUA charter #8840
One South
Health score 72/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $16.8M
- Total assets
- 2,832
- Members
- 21.0%
- Net-worth ratio
One South - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #8840 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
One South - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth96
- Liquidity (loan-to-share)87
Weighted composite: 72/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 21.02%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 21.02% | 30% |
| Delinquency Rate | 4.11% | 25% |
| Return on Assets | 2.05% | 15% |
| Member Growth | 4.46% | 15% |
| Loan-to-Share Ratio | 61.20% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $16.8M | 2,832 |
| 2024Q4 | $17.9M | 2,711 |
| 2023Q4 | $18.1M | 2,753 |
Credit Union Details
- Charter Number
- 8840
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- NATCHEZ
- Data Quarter
- 2025Q4
What This Data Says About One South
Headquartered in NATCHEZ, Mississippi, One South is a federal credit union with 2,832 members, $16.8M in total assets, and $8.5M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 72/100 (Very Good), driven in part by a net worth ratio of 21.02% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #8840 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 61.20% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 4.11% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Return on assets stands at 2.05% on net income of $344K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.46%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Mississippi
Other federally-insured credit unions in Mississippi, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is One South financially healthy?
A 21.02% net worth ratio and a 4.11% delinquency rate feed into One South's financial health score of 72/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does One South compare to other credit unions?
PlainCU's health composite puts One South at 72/100, 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 One South?
One South 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 One South directly for the exact boundaries and application steps.
Is my money safe at One South?
Federal credit unions like One South 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. One South's net worth ratio of 21.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does One South offer compared to banks?
Credit unions like One South 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 One South directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.