Centuryfirst Federal Credit Union is a federal credit union headquartered in Hattiesburg, Mississippi, in business for about 70 years. At the end of Q2 2026 it reported $144.9M in total assets and $124.8M in member shares and deposits, with 5 offices.
Based on its Q2 2026 filing, Centuryfirst Federal Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 55 credit unions headquartered in Mississippi, it ranks 37th. Its strongest component is capital cushion (89/100; 13.86%), and its lowest is loan quality (40/100; 1.80%).
TellerScore · Q2 2026
Scorecard
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 9 points (57 → 66), mostly because the loan quality component improved by 38 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 63 |
| Q4 2024 | 62 |
| Q1 2025 | 62 |
| Q2 2025 | 57 |
| Q3 2025 | 50 |
| Q4 2025 | 68 |
| Q1 2026 | 71 |
| Q2 2026 | 66 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.51% |
| Q3 2024 | 14.49% |
| Q4 2024 | 14.84% |
| Q1 2025 | 14.98% |
| Q2 2025 | 15.43% |
| Q3 2025 | 10.78% |
| Q4 2025 | 15.74% |
| Q1 2026 | 16.41% |
| Q2 2026 | 13.86% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 3.14% |
| Q3 2024 | 2.88% |
| Q4 2024 | 3.70% |
| Q1 2025 | 2.60% |
| Q2 2025 | 2.93% |
| Q3 2025 | 2.34% |
| Q4 2025 | 2.07% |
| Q1 2026 | 1.44% |
| Q2 2026 | 1.80% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.05% |
| Q3 2024 | 1.93% |
| Q4 2024 | 1.84% |
| Q1 2025 | 1.16% |
| Q2 2025 | 1.08% |
| Q3 2025 | 1.08% |
| Q4 2025 | 1.18% |
| Q1 2026 | 0.71% |
| Q2 2026 | 0.87% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $144.9M | 13.86% | 1.80% | 0.87% | 88.9% |
| Q1 2026 | 71 | $141.7M | 16.41% | 1.44% | 0.71% | 91.8% |
| Q4 2025 | 68 | $137.3M | 15.74% | 2.07% | 1.18% | 97.7% |
| Q3 2025 | 50 | $140.2M | 10.78% | 2.34% | 1.08% | 96.2% |
| Q2 2025 | 57 | $90.9M | 15.43% | 2.93% | 1.08% | 105.1% |
| Q1 2025 | 62 | $93.3M | 14.98% | 2.60% | 1.16% | 99.3% |
| Q4 2024 | 62 | $92.7M | 14.84% | 3.70% | 1.84% | 102.2% |
| Q3 2024 | 63 | $91.8M | 14.49% | 2.88% | 1.93% | 102.8% |
| Q2 2024 | 64 | $90.7M | 15.51% | 3.14% | 2.05% | 104.3% |
1,341 peers · $100 million – $1 billion
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).
Similar-size credit unions in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members Exchange Federal Credit UnionCredit union Jackson, MS | 87 out of 100, Very strong | $143.6M | 21.2% | 0.37% | vs |
| Triangle Federal Credit UnionCredit union Columbus, MS | 67 out of 100, Moderate | $129.0M | 11.0% | 1.16% | vs |
| Gulf Coast Community Federal Credit UnionCredit union Gulfport, MS | 73 out of 100, Strong | $125.5M | 17.7% | 1.22% | vs |
| Rivertrust Federal Credit UnionCredit union Pearl, MS | 84 out of 100, Strong | $167.8M | 19.3% | 0.60% | vs |
| Magnolia Federal Credit UnionCredit union Jackson, MS | 87 out of 100, Very strong | $185.6M | 23.4% | 0.55% | vs |
| Statewide Federal Credit UnionCredit union Flowood, MS | 68 out of 100, Moderate | $211.4M | 9.5% | 0.59% | vs |
Deposit insurance
Is my money safe at Centuryfirst Federal Credit Union?
Yes. Centuryfirst Federal Credit Union is a federally insured credit union (NCUA charter #24668). 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 3.2% of shares and deposits ($4.0M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 13.86%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
5 locations
Branches
Centuryfirst Federal Credit Union lists 5 offices in 4 cities. Most locations:
- Hattiesburg, MS (2)
- Clinton, MS (1)
- Petal, MS (1)
- Senatobia, MS (1)
HMDA 2025
Mortgage lending
In 2025, Centuryfirst Federal Credit Union reported 125 home-loan applications under HMDA (LEI 254900TYS8TXJLPURN43): 125 originated ($9,585,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Centuryfirst Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24668
- RSSD ID
- 586698
- Primary regulator
- NCUA
- Established
- 1956
- Headquarters
- 3318 Hardy St, Hattiesburg, MS 39401
- Employees
- 54
Quick answers
Centuryfirst Federal Credit Union: common questions
Is Centuryfirst Federal Credit Union NCUA insured?
Yes. Centuryfirst Federal Credit Union is a federally insured credit union (NCUA charter #24668). 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 Centuryfirst Federal Credit Union's TellerScore?
66 out of 100 (Moderate), 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 Centuryfirst Federal Credit Union have?
5 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Hattiesburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens BankBank Columbia, MS | 90 out of 100, Very strong | $466.3M | 13.5% | 0.33% | vs |
| Richton Bank & Trust CompanyBank Richton, MS | 90 out of 100, Very strong | $52.0M | 15.9% | 0.00% | vs |
| Sunbelt Federal Credit UnionCredit union Hattiesburg, MS | 85 out of 100, Very strong | $366.4M | 16.2% | 0.39% | vs |
| First Southern BankBank Columbia, MS | 83 out of 100, Strong | $317.3M | 10.6% | 0.00% | vs |
| First BankBank Mccomb, MS | 74 out of 100, Strong | $562.9M | 13.0% | 1.11% | vs |
| Pine Belt Federal Credit UnionCredit union Hattiesburg, MS | 73 out of 100, Strong | $13.9M | 27.2% | 0.72% | vs |