TellerScore

Headquartered in Meridian, Mississippi, 1st Mississippi Federal Credit Union is a federal credit union with $82.8M in total assets and $57.4M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1972.

1st Mississippi Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 21st. Capital cushion contributes the most (100/100, 28.51%); earnings contributes the least (49/100, 0.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 28.51%
Loan quality74/100
Loans 60+ days delinquent ÷ total loans: 0.79%
Earnings49/100
Return on assets (annualized): 0.73%
Funding & liquidity73/100
Loans ÷ shares: 87.3% · 1.6% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.68%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 11 points (68 → 79), mostly because the loan quality component improved by 32 points.

TellerScore
687480Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202473
Q4 202476
Q1 202574
Q2 202568
Q3 202576
Q4 202580
Q1 202675
Q2 202679
Net worth ratio
7.00%18.04%29.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202428.45%
Q3 202428.61%
Q4 202427.97%
Q1 202527.25%
Q2 202528.35%
Q3 202529.07%
Q4 202528.84%
Q1 202628.59%
Q2 202628.51%
Delinquent loans (60+ days)
0.79%1.26%1.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.54%
Q3 20241.68%
Q4 20241.40%
Q1 20250.90%
Q2 20251.73%
Q3 20251.11%
Q4 20250.87%
Q1 20261.04%
Q2 20260.79%
Return on assets
0.22%0.67%1.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.11%
Q3 20241.12%
Q4 20241.11%
Q1 20250.22%
Q2 20250.61%
Q3 20250.92%
Q4 20251.11%
Q1 20260.55%
Q2 20260.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$82.8M28.51%0.79%0.73%87.3%
Q1 202675$81.9M28.59%1.04%0.55%88.6%
Q4 202580$80.8M28.84%0.87%1.11%92.1%
Q3 202576$79.2M29.07%1.11%0.92%95.8%
Q2 202568$80.2M28.35%1.73%0.61%94.1%
Q1 202574$82.7M27.25%0.90%0.22%88.2%
Q4 202476$80.4M27.97%1.40%1.11%90.5%
Q3 202473$78.1M28.61%1.68%1.12%92.9%
Q2 202475$77.8M28.45%1.54%1.11%92.3%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio28.51%
93rd
Problem loans0.79%
46th
Net charge-offs1.69%
7th
Return on assets0.73%
55th
Loans to deposits87.3%
11th
Uninsured deposits1.6%
48th
Loan-loss reserves0.00%
37th
Texas ratio1.7%
56th

Similar-size credit unions in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
Ferguson Federal Credit UnionCredit union Monticello, MS33 out of 100, Low$94.2M9.6%3.79%vs
Meridian Mutual Federal Credit UnionCredit union Meridian, MS71 out of 100, Strong$71.2M12.4%1.19%vs
Eagle Express Federal Credit UnionCredit union Jackson, MS73 out of 100, Strong$66.8M20.3%1.13%vs
Jackson Area Federal Credit UnionCredit union Jackson, MS38 out of 100, Low$60.9M-145.4%1.49%vs
Mississippi National Guard Federal Credit UnionCredit union Jackson, MS58 out of 100, Moderate$43.5M8.8%1.53%vs
Brightview Federal Credit UnionCredit union Ridgeland, MS78 out of 100, Strong$37.6M16.3%0.75%vs

Deposit insurance

Is my money safe at 1st Mississippi Federal Credit Union?

Yes. 1st Mississippi Federal Credit Union is a federally insured credit union (NCUA charter #21073). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.6% of shares and deposits ($918K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 28.51%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

1st Mississippi Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
1st Mississippi Federal Credit Union
Type
Federal credit union
NCUA charter #
21073
RSSD ID
767385
Primary regulator
NCUA
Established
1972
Headquarters
600 19th Ave, Meridian, MS 39301
Employees
35

Quick answers

1st Mississippi Federal Credit Union: common questions

Is 1st Mississippi Federal Credit Union NCUA insured?

Yes. 1st Mississippi Federal Credit Union is a federally insured credit union (NCUA charter #21073). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is 1st Mississippi Federal Credit Union's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does 1st Mississippi Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Meridian

InstitutionScoreAssetsCapitalProblem loansCompare
Meridian Postal Federal Credit UnionCredit union Meridian, MS86 out of 100, Very strong$4.4M23.0%0.00%vs
Meridian Mississippi Ang Federal Credit UnionCredit union Meridian, MS78 out of 100, Strong$31.3M14.6%1.57%vs
West Alabama Bank & TrustBank Reform, AL77 out of 100, Strong$929.0M12.2%0.44%vs
Naheola Credit UnionCredit union Pennington, AL74 out of 100, Strong$219.6M18.0%1.97%vs
The Commercial BankBank De Kalb, MS72 out of 100, Strong$295.5M10.6%0.25%vs
Meridian Mutual Federal Credit UnionCredit union Meridian, MS71 out of 100, Strong$71.2M12.4%1.19%vs