FERGUSON
Federal • Monticello, Mississippi • Est. 1968
Quick Facts
- Charter Number
- #18515
- Type
- Federal
- Established
- 1968
- Headquarters
- Monticello, Mississippi 39654
- Address
- 1026 E Broad St
- Branches
- 8
- ATMs
- 9
- Members
- 10,272
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Poor financial health. One or more key ratios are below NCUA thresholds. All deposits remain federally insured up to $250,000.
Financial Overview
Total Assets
Members
10,272 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FERGUSON |
|---|---|
| Total Assets | $94.6M |
| Members | 10,272 |
| Loans Outstanding | $64.7M |
| Shares & Deposits | $85.6M |
| Net Worth | $9.3M |
| Net Worth Ratio | 9.77% |
| Loan-to-Share Ratio | 75.6% |
| Delinquency Rate | 4.76% |
| Net Income | +$684,779 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
8 locations · 9 ATMs
Monticello Branch
1026 E Broad St
Monticello, MS 39654
Brookhaven Branch
352 Brookhaven St
Brookhaven, MS 39601
Ferguson FCU Headquarters
Main Office1026 E Broad St
Monticello, MS 39654
Columbia Branch
519 HIGHWAY 98 BYP
COLUMBIA, MS 39429
New Hebron Branch
500 Main Ave
NewHebron, MS 39140
Who Can Join FERGUSON?
Membership Type: Community
Membership eligibility for FERGUSON may vary. Contact the credit union directly to confirm qualification requirements.
Contact FERGUSON directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Mississippi RankingsFrequently Asked Questions
Yes. FERGUSON is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, FERGUSON has 10,272 members and a potential membership field of 249,241 people.
FERGUSON's net worth ratio is 9.77% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.8%, FERGUSON meets this threshold.
FERGUSON operates 8 branch locations and has access to 9 ATMs. The main office is located at 1026 E Broad St, Monticello, MS 39654.
FERGUSON was established in 1968. It is a federal credit union chartered under charter number 18515. The institution has been serving members for 58 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FERGUSON. All financial data is for informational purposes only.