TellerScore

First Neshoba Federal Credit Union (NCUA charter #16435) is based in Philadelphia, Mississippi. Its Q2 2026 call report shows $24.6M in total assets and $21.1M in member shares and deposits and 1 office.

First Neshoba Federal Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 19th. Funding & liquidity contributes the most (100/100, 42% loans-to-deposits, 0% uninsured); loan quality contributes the least (70/100, 0.91%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Net worth ratio: 13.24%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.91%
Earnings72/100
Return on assets (annualized): 1.30%
Funding & liquidity100/100
Loans ÷ shares: 42.2% · 0.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.50%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 81).

TellerScore
788286Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202484
Q4 202478
Q1 202586
Q2 202582
Q3 202584
Q4 202584
Q1 202680
Q2 202681
Net worth ratio
7.00%10.12%13.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.83%
Q3 202412.68%
Q4 202412.19%
Q1 202512.55%
Q2 202512.42%
Q3 202512.78%
Q4 202513.02%
Q1 202612.30%
Q2 202613.24%
Delinquent loans (60+ days)
0.46%0.80%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.93%
Q3 20240.81%
Q4 20241.14%
Q1 20250.46%
Q2 20250.59%
Q3 20250.54%
Q4 20250.69%
Q1 20260.47%
Q2 20260.91%
Return on assets
1.00%1.45%1.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.89%
Q3 20241.72%
Q4 20241.60%
Q1 20251.59%
Q2 20251.38%
Q3 20251.47%
Q4 20251.49%
Q1 20261.00%
Q2 20261.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$24.6M13.24%0.91%1.30%42.2%
Q1 202680$25.7M12.30%0.47%1.00%39.5%
Q4 202584$23.8M13.02%0.69%1.49%42.6%
Q3 202584$23.6M12.78%0.54%1.47%42.2%
Q2 202582$23.5M12.42%0.59%1.38%41.1%
Q1 202586$22.7M12.55%0.46%1.59%40.1%
Q4 202478$22.6M12.19%1.14%1.60%40.4%
Q3 202484$21.1M12.68%0.81%1.72%44.5%
Q2 202481$21.9M11.83%0.93%1.89%44.8%

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 ratio13.24%
41st
Problem loans0.91%
42nd
Net charge-offs0.52%
26th
Return on assets1.30%
79th
Loans to deposits42.2%
75th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio2.5%
47th

Similar-size credit unions in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
Gulf Trust Federal Credit UnionCredit union Pascagoula, MS88 out of 100, Very strong$25.5M21.8%0.03%vs
Ecm Federal Credit UnionCredit union Ridgeland, MS87 out of 100, Very strong$28.9M14.9%0.66%vs
Mississippi Public Employees Federal Credit UnionCredit union Jackson, MS97 out of 100, Very strong$29.2M18.1%0.10%vs
Meridian Mississippi Ang Federal Credit UnionCredit union Meridian, MS78 out of 100, Strong$31.3M14.6%1.57%vs
Camp Shelby Federal Credit UnionCredit union Hattiesburg, MS84 out of 100, Strong$31.8M23.9%0.83%vs
One South Federal Credit UnionCredit union Natchez, MS58 out of 100, Moderate$16.7M21.2%3.42%vs

Deposit insurance

Is my money safe at First Neshoba Federal Credit Union?

Yes. First Neshoba Federal Credit Union is a federally insured credit union (NCUA charter #16435). 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 0.0% of shares and deposits ($0) 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 13.24%, 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

First Neshoba Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Neshoba Federal Credit Union
Type
Federal credit union
NCUA charter #
16435
RSSD ID
694182
Primary regulator
NCUA
Established
1964
Headquarters
P.O. Box 685, Philadelphia, MS 39350
Employees
10

Quick answers

First Neshoba Federal Credit Union: common questions

Is First Neshoba Federal Credit Union NCUA insured?

Yes. First Neshoba Federal Credit Union is a federally insured credit union (NCUA charter #16435). 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 First Neshoba Federal Credit Union's TellerScore?

81 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 First Neshoba Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Philadelphia

InstitutionScoreAssetsCapitalProblem loansCompare
The Commercial BankBank De Kalb, MS72 out of 100, Strong$295.5M10.6%0.25%vs
The Citizens National Bank of MeridianBank Meridian, MS70 out of 100, Strong$1.9B11.3%0.87%vs
The Bank of ForestBank Forest, MS68 out of 100, Moderate$296.3M10.9%1.30%vs
The Citizens Bank of Philadelphia, MississippiBank Philadelphia, MS66 out of 100, Moderate$1.6B9.1%0.47%vs
Renasant BankBank Tupelo, MS64 out of 100, Moderate$27.0B10.7%0.96%vs
Regions BankBank Birmingham, AL64 out of 100, Moderate$159.8B9.5%0.93%vs