1ST MISSISSIPPI Credit Union Profile

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1ST MISSISSIPPI

Charter #21073 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (601) 693-6873

Fax: (601) 693-6877

Founding Date: N/A

Website: https://www.1stms.com

Personnel & Operations

President: Cobler, Clayton

Manager: Cooper, Rebecca

FT Employees: 39

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 2

Hours: Mon-Fri 8:30am-5:00pm

Credit Union Profile Summary

1ST MISSISSIPPI is a FCU Credit Union. With a total of 10,472 members [1], this institution manages approximately $80,194,209 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 28.35% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 6.95% [1].

Financial Snapshot

Total Assets [1]
$80,194,209

Total economic resources.

Total Loans [1]
$50,861,219

Total value of outstanding loans.

Total Deposits [1]
$54,041,955

Total funds deposited by members.

Members [1]
10,472

Number of active members.

Performance Ratios

Net Worth Ratio [1]
28.35%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.61%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
94.11%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 3.14%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 6.95%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -8.98%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

600 19th Ave

Meridian, MS, 39301
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by 1ST MISSISSIPPI (Charter #21073).

Main Office

Main Office Main Office

Type: Corporate Office

600 19th Ave

Meridian, MS 39301

Phone: (601) 693-6873

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Quitman

Quitman Branch

Type: Branch Office

212 S Archusa Ave

Quitman, MS 39355

Phone: (601) 776-2400

Services: Member Services, ATM, Drive-Thru

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