Federal credit union · NATCHEZ, Mississippi · NCUA charter #8840
One South
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $16.8M
- Total assets
- 2,832
- Members
- 20.5%
- Net-worth ratio
One South scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.8M; members 2,832; net-worth ratio 20.55%; health rank #3,446 of 4,374; healthier than 20th of scored peers.
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#3,446 of 4,374 health · 2025Q4One South · health 72/100 · $16.8M · 2025Q4
Call Report peers
One South in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
One South vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); One South sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
One South: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 20.55% here, 14.86% peer average (+5.69 pp).
- Largest lag: Delinquency Rate at 4.11% vs peer 1.15% (+2.97 pp).
One South: in-state Call Report ranks
- In Mississippi, health place is #42 of 55 on the same NCUA-ratio sort used nationally.
- Assets rank #27 of 55 inside Mississippi ($16.8M reported).
- Mississippi membership ordinal: #25 of 55.
- One place up in Mississippi, Gulf Coast Community (#41) scores 73/100, 1 point higher; one place down, MUW (#43) scores 69/100, 3 points lower.
Quarter path for One South
One South: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $16.8M (2025Q4) to $17.2M (2026Q1).
- Net-worth ratio shifted -0.47 pp (21.02% → 20.55%).
At 20.55%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 72/100 score is built
One South gives up 28 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 14.4 pts
- Loan-to-Share Ratio 12.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.55% | +5.69 pp |
| Delinquency Rate | 4.11% | +2.97 pp |
| Return on Assets | 2.05% | +1.34 pp |
| Member Growth | 4.46% | - |
| Loan-to-Share Ratio | 61.20% | +1.40 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - One South
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.2M | - |
| 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
Branch Locations (2)
One South operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate office (Main Office) | NATCHEZ, MS |
| FISERV | FRISCO, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
Other federally-insured credit unions in Mississippi, closest first by peer group and asset size.
Other-state peers near One South
Using this data
- One South ranks #3,446 of 4,374 nationally on financial health and #42 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cm Members is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cm Members
Frequently Asked Questions
Is One South financially healthy?
On its 2025Q4 NCUA 5300 filing, One South scores 72/100 (Very Good), with a 20.55% net worth ratio and 4.11% of loans delinquent. It ranks #3,446 of 4,374 nationally on health and #42 of 55 in Mississippi.
How does One South compare to other credit unions?
One South scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (20.55% vs 14.86%). Its widest shortfall is delinquency rate (4.11% vs 1.15%).
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?
One South 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. One South's net worth ratio of 20.55% 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.