First Neshoba

Philadelphia, MS · 1 · Charter #16435 · www.fnfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$23.8M
68th percentile
Members
3,900
94th percentile
Total loans
$8.7M
61th percentile
Total shares
$20.5M
69th percentile

Profitability

Return on assets
1.58%
82th percentile
Net interest margin
4.19%
59th percentile
Efficiency ratio
66.99%
49th percentile
Non-interest income ratio
17.39%
77th percentile

Capital & Risk

Net worth ratio
13.02%
37th percentile
Delinquency rate
0.69%
51th percentile
Net charge-off rate
0.55%
29th percentile
Loan-to-share
42.56%
25th percentile

Growth

Member growth YoY
2.63%
87th percentile
Asset growth YoY
5.18%
75th percentile
Loan growth YoY
9.44%
88th percentile
Share growth YoY
3.95%
69th percentile

Operations

Members / branch
3,900
97th percentile
Assets / member
$6,090
24th percentile
Field of membership penetration
13.45%
27th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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