CENTURYFIRST
Charter #24668 · HATTIESBURG, MS · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.41% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.65% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.14% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.44% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.05% sits at the 84th 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 | CENTURYFIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $141.65M | 27th pct | 46th pct |
| Members | 16,149 | 64th pct | 67th pct |
| Net worth ratio | 16.41% | 91th pct | 84th pct |
| Return on average assets | 0.73% | 52th pct | 44th pct |
| Net interest margin | 5.65% | 99th pct | 95th pct |
| Cost of funds | 2.14% | 91th pct | 84th pct |
| Loan-to-share | 91.82% | 91th pct | 87th pct |
| Delinquency 60+ days | 1.44% | 88th pct | 82th pct |
| Net charge-off ratio | 1.05% | 89th pct | 84th pct |
| Loan growth YoY | -3.84% | 12th pct | 10th pct |
| Share growth YoY | 0.79% | 15th pct | 18th pct |
| Efficiency ratio | 69.97% | 25th pct | 30th pct |
structural peer set hash: 1bc826434806cd6b92e8c384ea0f658e… (reproducible)
Closest structural peers
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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.