Ferguson Federal Credit Union


Overview / Commentary
601-806-3328
1026 E Broad Street
Monticello, MS 39654

Ferguson Federal Credit Union is headquartered in Monticello and is the 14th largest credit union in the state of Mississippi. It is also the 1,879th largest credit union in the nation. It was established in 1968 and as of March of 2025, it had grown to 46 employees and 10,392 members at 8 locations. Ferguson Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership in Ferguson Federal Credit Union is open to anyone who lives, works, worships, attends school, or owns a business in the Mississippi counties of Amite, Copiah, Franklin, Jefferson, Jefferson Davis, Lawrence, Lincoln, Marion, Pike, Rankin (southern portion), Simpson, or Walthall. Employees of Georgia Pacific’s Ferguson Mill in Lawrence County are also eligible to join.
See current membership details

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Ferguson Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #18515
Year Chartered1968
Employees46
Primary Regulator
Profit Margin
Return on Assets - YTD-0.16%
Return on Equity - YTD-1.71%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$95.1MM$92.2MM
LoansQ1 2025vs Q1 2024$61.6MM$59.6MM
DepositsQ1 2025vs Q1 2024$85.2MM$83.5MM
Equity CapitalQ1 2025vs Q1 2024$9.2MM$8.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.1MM$987K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.7MM$1MM
Real Estate OwnedQ1 2025vs Q1 2024$140K$76K
Rates

Rates for Ferguson Federal Credit Union are currently being reviewed.

Locations


Ferguson Federal Credit Union Locations
Branch Office1026 E Broad StMonticello, MS 39654
Branch Office352 Brookhaven StBrookhaven, MS 39601
Corporate Office1026 E Broad StMonticello, MS 39654
Branch Office519 HIGHWAY 98 BYPCOLUMBIA, MS 39429
Branch Office500 Main AveNewHebron, MS 39140
Branch Office277 11th Ave SWMagee, MS 39111
Branch Office609 High School AveColumbia, MS 39429
Branch Office577 NA Sandifer HwyMonticello, MS 39654

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