Centuryfirst Federal Credit Union Hattiesburg, Mississippi
Centuryfirst Federal Credit Union is a federal credit union headquartered in Hattiesburg, MS, established in 1956 (NCUA charter 24668), and it is regulated and insured by the NCUA. At Q2 2026 it reported 16,069 members and total assets of $144.9M (up 59.4% from Q2 2025), the 10th largest of 52 credit unions headquartered in Mississippi. Its net worth ratio was 13.86% at Q2 2026, in the well capitalized band.
Also written as Centuryfirst FCU · Trade name filed with the NCUA: Southern Mississippi FCU
BankRegReports is independent of Centuryfirst Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24668
- Headquarters
- Hattiesburg, MS
- Established
- 1956
- Total assets, Q2 2026
- $144.9M
- Assets vs Q2 2025
- +59.4%
- Members, Q2 2026
- 16,069
- Net worth ratio, Q2 2026
- 13.86%
- Latest call report
- Q2 2026, NCUA 5300 · Centuryfirst Federal Credit Union call report
- Asset rank in state
- 10th of 52 in Mississippi
- Routing number
- 265377028
- Branches
- 8
It has 3,297 more members than on June 30, 2025 (+25.8%). Its net worth ratio was down 1.57 percentage points from 15.43% on June 30, 2025. Used vehicle loans are its largest loan category, $46.0M of $110.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.80% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 13.86% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Mississippi
Credit unions merged into Centuryfirst Federal Credit Union
Waters Edge Federal Credit Union (2026) · Securtrust Federal Credit Union (2025) · Forrest County Teachers Federal Credit Union (2024) · Elevator Federal Credit Union (2023) · Miller Transporters Federal Credit Union (2019) · Forrest-Petal Educational Federal Credit Union (2016) · Hattiesburg-Laurel Federal Credit Union (2015)
Frequently asked about Centuryfirst Federal Credit Union
How big is Centuryfirst Federal Credit Union?
At Q2 2026 it reported total assets of $144.9M and 16,069 members.
Where is Centuryfirst Federal Credit Union headquartered?
It is headquartered in Hattiesburg, MS, United States.
When was Centuryfirst Federal Credit Union founded?
It was established in 1956, per NCUA records.
Is Centuryfirst Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24668): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Centuryfirst Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Centuryfirst Federal Credit Union well capitalized?
Its net worth ratio was 13.86% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Centuryfirst Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.80% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Centuryfirst Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 88.86% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Hattiesburg, MS 39401
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1956
- NCUA Charter #
- 24668
- RSSD ID
- 586698
- Members
- 16,069
- Potential members
- 70,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 13.86% | 11.43% | 77th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.05% | 0.81% | 64th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 7.79% | 7.02% | 57th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 5.51% | 3.70% | over 90th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 69.25% | 76.55% | 74th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.80% | 1.24% | 14th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.80% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 7.30% | 4.92% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 88.86% | 75.66% | 80th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$144.9M total assets against $90.9M; $124.8M total shares and deposits against $75.8M; $110.9M total loans against $79.7M.
$19.5M net worth against $14.1M.
13.86% net worth ratio against 15.43%.
88.86% loan-to-share ratio against 105.13%.
1.80% delinquency ratio against 2.93%.
1.05% return on assets against 0.97%; 7.79% return on equity against 6.24%.
5.51% net interest margin against 7.19%.
16,069 members against 12,772.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.86% | 1.05% | 1.80% | 88.86% |
| March 31, 2026 | 16.41% | 0.71% | 1.44% | 91.82% |
| December 31, 2025 | 15.74% | 1.42% | 2.07% | 97.68% |
| September 30, 2025 | 10.78% | 1.83% | 2.34% | 96.24% |
| June 30, 2025 | 15.43% | 0.97% | 2.93% | 105.13% |
| March 31, 2025 | 14.98% | 1.16% | 2.60% | 99.29% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.