Philadelphia, Mississippi · Peer group 3
First Neshoba Credit Union
First Neshoba Credit Union holds $25.7M in assets across 3,900 members as of Q1 2026 — about $7K of assets per member, on a charter dating to 1964. Charter number 16435, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $25.7M |
|---|---|
| Total loans | $8.8M |
| Total shares (deposits) | $22.4M |
| Net worth | $3.2M |
| Members | 3,900 |
| Assets per member | $7K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 13.2% | |
|---|---|---|
| Loans | 11.8% | higher than 94% of its peer group |
| Deposits | 13.3% | higher than 97% of its peer group |
| Members | 0.2% | around the 70th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 39.5% | around the 21st percentile of its peer group |
|---|---|---|
| Net worth ratio | 12.3% | around the 39th percentile of its peer group |
| Return on assets | 1.00% | around the 69th percentile of its peer group |
| Delinquency ratio | 0.47% | around the 45th percentile of its peer group |
| Cash / assets | 34.7% | higher than 97% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is First Neshoba Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Mississippi — the comparison set a peer ratio is measured against.
- Gulf Trust Credit Union
PASCAGOULA, MS
$26.2M · 2,736 members
- Ecm Credit Union
RIDGELAND, MS
$29.2M · 2,336 members
- Mississippi Public Employees Credit Union
Jackson, MS
$30.1M · 5,084 members
- Camp Shelby Credit Union
Hattiesburg, MS
$30.5M · 3,058 members
- Meridian Mississippi Ang Credit Union
MERIDIAN, MS
$30.9M · 1,625 members
- One South Credit Union
NATCHEZ, MS
$17.2M · 2,812 members
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