Centuryfirst
Hattiesburg, MS · Charter 24668 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$144.9MAssets
$110.9MLoans
$124.8MShares
$19.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 96% of credit unions under $1B in assets (rank 75 of 1683).
- Widest gap: nonperforming loans / loans trails 84% of credit unions under $1B in assets (rank 1410 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.87%
Rank 713 of 1,683
Net Interest Margin
5.47%
Rank 75 of 1,683
Efficiency Ratio
69.60%
Rank 443 of 1,682
Equity / Assets
13.49%
Rank 751 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.35% | 0.74% | 1.18% | Beats 58% | 713 / 1,683 | |
| Return on Equity | 6.48% | 2.67% | 5.89% | 8.74% | Beats 56% | 743 / 1,681 | |
| Net Interest Margin | 5.47% | 3.31% | 3.82% | 4.32% | Beats 96% | 75 / 1,683 | |
| Efficiency Ratio | 69.60% | 68.91% | 78.20% | 86.93% | Beats 74% | 443 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.80% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,410 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.49% | 10.44% | 12.89% | 16.53% | Beats 55% | 751 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.49% | 10.44% | 12.89% | 16.53% | Beats 55% | 751 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 88.86% | 52.61% | 69.38% | 83.50% | 84th pctl | 262 / 1,683 | |
| Loans / Assets | 76.58% | 44.71% | 59.18% | 70.72% | 86th pctl | 229 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |