TellerScore

First Unity Federal Credit Union (NCUA charter #24859) is based in McComb, Mississippi. Its Q2 2026 call report shows $11.7M in total assets and $9.7M in member shares and deposits.

Based on its Q2 2026 filing, First Unity Federal Credit Union scores 58/100, which we describe as moderate. That is higher than only 19% of 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 44th. Its strongest component is earnings (100/100; 2.49%), and its lowest is problem-loan coverage (0/100; 139.0%).

TellerScore · Q2 2026

Scorecard

Capital cushion90/100
Net worth ratio: 14.00%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 26.52%
Earnings100/100
Return on assets (annualized): 2.49%
Funding & liquidity73/100
Loans ÷ shares: 87.0% · 0.0% uninsured
Problem-loan coverage0/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 139.03%

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 8 points (50 → 58), mostly because the capital cushion component improved by 23 points.

TellerScore
334658Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202449
Q3 202450
Q4 202433
Q1 202544
Q2 202550
Q3 202550
Q4 202545
Q1 202655
Q2 202658
Net worth ratio
6.21%10.11%14.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.50%
Q3 202411.32%
Q4 20246.21%
Q1 20259.58%
Q2 202511.68%
Q3 202511.32%
Q4 20259.83%
Q1 202613.46%
Q2 202614.00%
Delinquent loans (60+ days)
4.50%15.51%26.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20244.50%
Q3 20245.52%
Q4 202415.85%
Q1 202512.75%
Q2 202512.71%
Q3 20255.52%
Q4 202523.48%
Q1 202620.48%
Q2 202626.52%
Return on assets
1.88%4.22%6.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.95%
Q3 20242.90%
Q4 20243.12%
Q1 20253.72%
Q2 20256.56%
Q3 20252.90%
Q4 20252.32%
Q1 20261.88%
Q2 20262.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$11.7M14.00%26.52%2.49%87.0%
Q1 202655$11.7M13.46%20.48%1.88%91.6%
Q4 202545$12.4M9.83%23.48%2.32%88.9%
Q3 202550$12.1M11.32%5.52%2.90%97.2%
Q2 202550$12.4M11.68%12.71%6.56%92.5%
Q1 202544$12.1M9.58%12.75%3.72%93.2%
Q4 202433$12.0M6.21%15.85%3.12%97.8%
Q3 202450$12.1M11.32%5.52%2.90%97.2%
Q2 202449$12.3M10.50%4.50%2.95%95.1%

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 ratio14.00%
47th
Problem loans26.52%
0th
Net charge-offs1.90%
6th
Return on assets2.49%
97th
Loans to deposits87.0%
12th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio139.0%
0th

Similar-size credit unions in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
Vickswood Federal Credit UnionCredit union Vicksburg, MS94 out of 100, Very strong$11.5M25.8%0.00%vs
Vicksburg Railroad Federal Credit UnionCredit union Vicksburg, MS77 out of 100, Strong$12.0M32.8%0.52%vs
Biloxi Teachers Federal Credit UnionCredit union Biloxi, MS83 out of 100, Strong$12.1M11.9%0.25%vs
Healthplus Federal Credit UnionCredit union Jackson, MS24 out of 100, Low$10.5M8.3%8.53%vs
Mississippi Dhs Federal Credit UnionCredit union Jackson, MS58 out of 100, Moderate$10.5M13.2%1.79%vs
Mississippi Highway Safty Pat Federal Credit UnionCredit union Jackson, MS69 out of 100, Moderate$13.1M28.4%6.62%vs

Deposit insurance

Is my money safe at First Unity Federal Credit Union?

Yes. First Unity Federal Credit Union is a federally insured credit union (NCUA charter #24859). 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 14.00%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
First Unity Federal Credit Union
Type
Federal credit union
NCUA charter #
24859
RSSD ID
4744731
Primary regulator
NCUA
Established
2014
Headquarters
200 N Broadway St, McComb, MS 39648
Employees
7

Quick answers

First Unity Federal Credit Union: common questions

Is First Unity Federal Credit Union NCUA insured?

Yes. First Unity Federal Credit Union is a federally insured credit union (NCUA charter #24859). 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 Unity Federal Credit Union's TellerScore?

58 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.