1ST MISSISSIPPI
Charter #21073 · Meridian, MS · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 10,630 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 28.59% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.23% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.56% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.24% sits at the 90th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | 1ST MISSISSIPPI | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $81.89M | 72th pct | 79th pct |
| Members | 10,630 | 96th pct | 89th pct |
| Net worth ratio | 28.59% | 99th pct | 89th pct |
| Return on average assets | 0.56% | 42th pct | 28th pct |
| Net interest margin | 5.23% | 97th pct | 85th pct |
| Cost of funds | 0.56% | 26th pct | 20th pct |
| Loan-to-share | 88.59% | 94th pct | 72th pct |
| Delinquency 60+ days | 1.04% | 73th pct | 62th pct |
| Net charge-off ratio | 1.24% | 92th pct | 90th pct |
| Loan growth YoY | -0.70% | 58th pct | 54th pct |
| Share growth YoY | 7.39% | 90th pct | 92th pct |
| Efficiency ratio | 88.09% | 75th pct | 80th pct |
structural peer set hash: 93f618ef91f452ae3787318659a55748… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.