Federal credit union · JACKSON, Mississippi · NCUA charter #5930
HEALTHPLUS
Health score 56/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $10.8M
- Total assets
- 1,537
- Members
- 8.3%
- Net-worth ratio
HEALTHPLUS scores 56/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.8M; members 1,537; net-worth ratio 8.31%; health rank #4,168 of 4,374; healthier than 5th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,168 of 4,374 health · 2025Q4HEALTHPLUS · health 56/100 · $10.8M · 2025Q4
Call Report peers
HEALTHPLUS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HEALTHPLUS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HEALTHPLUS sits in 55-59 with 115 others.
56 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
HEALTHPLUS: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +15.30 pp (75.10% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -6.55 pp (8.31% vs 14.86%).
Where HEALTHPLUS sits in Mississippi
- In Mississippi, health place is #48 of 55 on the same NCUA-ratio sort used nationally.
- Mississippi assets place: #38 of 55.
- Member book place in Mississippi: #39 of 55.
- One place up in Mississippi, Meridian Postal (#47) scores 60/100, 4 points higher; one place down, FERGUSON (#49) scores 53/100, 3 points lower.
Quarter path for HEALTHPLUS
HEALTHPLUS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $10.8M (2025Q4) to $10.8M (2026Q1).
- Net-worth ratio shifted -0.14 pp (8.45% → 8.31%).
8.31% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 56/100 score is built
HEALTHPLUS gives up 44 points in total. Delinquency Rate costs the most, 25 of its 25; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 25.8 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.2 pts
HEALTHPLUS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.31% | -6.55 pp |
| Delinquency Rate | 6.26% | +5.11 pp |
| Return on Assets | 1.35% | +0.64 pp |
| Member Growth | -49.41% | - |
| Loan-to-Share Ratio | 75.10% | +15.30 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.8M | - |
| 2025Q4 | $10.8M | 1,537 |
| 2024Q4 | $10.4M | 3,038 |
| 2023Q4 | $10.1M | 2,766 |
Credit Union Details
- Charter Number
- 5930
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- JACKSON
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for HEALTHPLUS, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| HEALTHPLUS (Main Office) | JACKSON, MS |
| VISIFI | Hoover, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
A look at other Mississippi credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near HEALTHPLUS
Using this data
- HEALTHPLUS ranks #4,168 of 4,374 nationally on financial health and #48 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VICKSWOOD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VICKSWOOD
Frequently Asked Questions
Is HEALTHPLUS financially healthy?
On its 2025Q4 NCUA 5300 filing, HEALTHPLUS scores 56/100 (Fair), with a 8.31% net worth ratio and 6.26% of loans delinquent. It ranks #4,168 of 4,374 nationally on health and #48 of 55 in Mississippi.
How does HEALTHPLUS compare to other credit unions?
HEALTHPLUS scores 56/100, higher than 5% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (75.10% vs 59.80%). Its widest shortfall is net worth ratio (8.31% vs 14.86%).
How can I join HEALTHPLUS?
HEALTHPLUS carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact HEALTHPLUS directly to confirm current membership steps.
Is my money safe at HEALTHPLUS?
HEALTHPLUS is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. HEALTHPLUS's net worth ratio of 8.31% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.