Charter 18515 · Monticello, MS
Ferguson Federal Credit Union
Ferguson Federal Credit Union is a federally chartered credit union in Monticello, Mississippi, with $94.2 million in assets and 10,070 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.63%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $94.2 million
- +0.2% in a year
- Members
- 10,070
- -4.3% in a year
- Net worth ratio
- 9.63%
- Peer median 12.95%
- Loans 60+ days late
- 3.79%
- Peer median 0.67%
- Loans outstanding
- $67.5 million
- +7.4% in a year
- Shares and deposits
- $83.1 million
- -1.9% in a year
- Branches
- 7
- 49 employees
- Opened
- 1968
- Federal charter
How Ferguson Federal Credit Union compares
NCUA groups credit unions by size; Ferguson Federal Credit Union is in the group with $50 million to $100 million (573 credit unions). Its net worth ratio of 9.63% is lower than that group's median of 12.95%, and its share of loans 60 or more days past due, 3.79%, is higher than the group median of 0.67%. Loans grew 7.4% over the year to Q2 2026, against a group median of a 0.2% fall.
By assets it ranks 14 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 | $94.2 million | 10,070 | $67.5 million | 9.63% | 3.79% |
| Q1 2026 | $96.2 million | 10,064 | $66.0 million | 9.68% | 2.57% |
| Q4 2025 | $94.6 million | 10,272 | $64.7 million | 9.77% | 4.76% |
| Q3 2025 | $94.6 million | 10,676 | $63.4 million | 9.89% | 3.05% |
| Q2 2025 | $94.1 million | 10,526 | $62.8 million | 9.77% | 4.02% |
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 249,241 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 Ferguson 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.
- Monticello Branch
1026 E Broad St, Monticello, MS 39654 - Brookhaven Branch
352 Brookhaven St, Brookhaven, MS 39601 - Ferguson FCU Headquarters (main office)
1026 E Broad St, Monticello, MS 39654 - Columbia Branch
519 Highway 98 Byp, Columbia, MS 39429 - New Hebron Branch
500 Main Ave, Newhebron, MS 39140 - Magee Branch
277 11Th Ave Sw, Magee, MS 39111 - Mortgage & Business Center
609 High School Ave, Columbia, MS 39429 - GP Branch
577 Na Sandifer Hwy, Monticello, MS 39654
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