Credit union · NCUA insured
1st Mississippi Federal Credit Union
A $81.9M credit union headquartered in Meridian, MS, with 10,630 members and 2 branches in Mississippi. Best rates: CDs 2.53% and savings 0.85% APY.
1st Mississippi Federal Credit Union Carrot Score
78
Carrot Score
Higher than 46% of U.S. banks and credit unions
#5 of 6 in Meridian, MS metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 1st Mississippi Federal Credit Union
- Headquarters
- 600 19th Ave, Meridian, MS 39301
- NCUA charter
- 21073
Branches
2 branches in Mississippi
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Mississippi
2 branches
- Main OfficeMain office600 19th Ave, Meridian, MS 39301Directions
- Quitman Branch212 S Archusa Ave, Quitman, MS 39355Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 28.51% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.79% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.74% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $87 | $59 | — |
- CapitalNet worth ratio28.51%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.79%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.74%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$87Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 1st Mississippi Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.