Charter 24668 · Hattiesburg, MS
Centuryfirst Federal Credit Union
Centuryfirst Federal Credit Union is a federally chartered credit union in Hattiesburg, Mississippi, with $145 million in assets and 16,069 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.86%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as Southern Mississippi FCU.
- Total assets
- $145 million
- +59.4% in a year
- Members
- 16,069
- +25.8% in a year
- Net worth ratio
- 13.86%
- Peer median 11.65%
- Loans 60+ days late
- 1.80%
- Peer median 0.70%
- Loans outstanding
- $111 million
- +39.2% in a year
- Shares and deposits
- $125 million
- +64.7% in a year
- Branches
- 7
- 54 employees
- Opened
- 1956
- Federal charter
How Centuryfirst Federal Credit Union compares
NCUA groups credit unions by size; Centuryfirst Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 13.86% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.80%, is higher than the group median of 0.70%. Loans grew 39.2% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 10 of 55 credit unions headquartered in Mississippi. See all Mississippi credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $145 million | 16,069 | $111 million | 13.86% | 1.80% |
| Q1 2026 | $142 million | 16,149 | $110 million | 16.41% | 1.44% |
| Q4 2025 | $137 million | 12,842 | $113 million | 15.74% | 2.07% |
| Q3 2025 | $140 million | 16,306 | $115 million | 10.78% | 2.34% |
| Q2 2025 | $90.9 million | 12,772 | $79.7 million | 15.43% | 2.93% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 70,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 8 sites for Centuryfirst Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office (main office)
3318 Hardy St, Hattiesburg, MS 39401 - Laurel Branch
3217 Audubon Dr, Laurel, MS 39440 - Downtown Branch
400 Forrest St, Hattiesburg, MS 39401 - Petal Branch
202 W Central Ave, Petal, MS 39465 - Clinton Office
1001 Highway 80 E, Clinton, MS 39056 - Administrative Building
3310 Hardy St, Hattiesburg, MS 39401 - Senatobia Office
319 E Main St, Senatobia, MS 38668 - Southaven Office
3870 Goodman Rd E, Southaven, MS 38672
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology