Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 18 Feb 2022 |
| RSSD ID | 767385 |
| Address | 600 19th Ave, Meridian, MS 39301 Directions (Google Maps) |
| Website | www.1stms.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedThis lender's website blocked our automated reader on 2 Nov 2026 (we do not bypass bot protection), so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check www.1stms.com or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$2.5 million in 1 award from the U.S. Treasury's CDFI Fund, 2022 (CDFI Equitable Recovery Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as 1ST MISSISSIPPI (charter 21073). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $82.8 million (as of 30 Jun 2026) |
|---|---|
| Members | 10,813 (as of 30 Jun 2026) |
| Offices | 2 (as of 30 Jun 2026) |
Offices by state and county (2)
Mississippi (2 offices)
- Clarke County (1): 212 S Archusa Ave, Quitman 39355
- Lauderdale County (1): 600 19th Ave, Meridian 39301 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by 1st Mississippi Federal Credit Union (NCUA charter 21073, filed as “1ST MISSISSIPPI”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $50.1 million, 5,553 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 1.4% from $50.9 million on 30 Jun 2025 |
| Members | 10,813 (as of 30 Jun 2026); 10,472 (as of 30 Jun 2025) |
| Loans per member | $4,636 (total loans divided by members, 30 Jun 2026) |
| Total assets | $82.8 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $6.3 million | 12.7% |
| Used vehicle loans | $24.5 million | 48.8% |
| First-lien home mortgages (1-4 family) | $8.9 million | 17.8% |
| Other real estate loans (junior liens, other) | $220,477 | 0.4% |
| Commercial (business) loans | $1 million | 2.1% |
| Other unsecured loans | $6.4 million | 12.8% |
| Leases and other secured loans | $2.7 million | 5.4% |
None reported on the 30 Jun 2026 report: credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $82.8 million | Larger than 17% of the 6 other certified credit unions in Mississippi (median $164.6 million). |
| Loans as a share of assets | 61% | Median of the same 6 credit unions: 67%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $50.9 million → $50.1 million (-1%) | Median change of 6 other certified credit unions in Mississippi: +2%. Rank by loans held among these 7: 6 → 6. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Mississippi | 6 | larger than 17% |
| Loans held then vs now | certified credit unions in Mississippi reporting both dates | 6 | rank 6 → 6 of 7 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Meridian and Mississippi
- Citizens National Banc Corp.Bank holding company · Meridian, MSAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Home mortgages…Verified
- Citizens National Bank of MeridianBank or thrift · Meridian, MSAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Home mortgages…Verified
- Great Southern BankBank or thrift · Meridian, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Personal / consumer loans…Verified
- Great Southern Capital CorporationBank holding company · Meridian, MSOfficial list only
Work at 1st Mississippi Federal Credit Union? Link to this page
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