Federal credit union · Clinton, Mississippi · NCUA charter #24895
Mississippi College Employees
Health score 40/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 40
- Health / 100
- $2.0M
- Total assets
- 162
- Members
- 25.6%
- Net-worth ratio
Mississippi College Employees scores 40/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.0M; members 162; net-worth ratio 25.58%; health rank #4,338 of 4,374; healthier than 1st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,338 of 4,374 health · 2025Q4Mississippi College · health 40/100 · $2.0M · 2025Q4
- PHOTO 40/100
- BOOK 25.6%
- CHARTER 3.87%
- NCUSIF -0.94%
- CAMELS $2.0M
- HEALTH 162
- NW #4,338/4,374
- DELQ n/a
- ROA 24895
Call Report peers
Mississippi College Employees carries $2.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mississippi College Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
40 1st percentile higher than 1% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Mississippi College Employees - Share Insurance Coverage
Charter #24895's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Mississippi College Employees
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +6.52 pp (25.58% vs 19.06%).
- Loan-to-Share Ratio trails the peer set - 40.28% here, 63.60% peer average (-23.32 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mississippi College Employees in Mississippi
- In Mississippi, health place is #53 of 55 on the same NCUA-ratio sort used nationally.
- Assets rank #51 of 55 inside Mississippi ($2.0M reported).
- Member book place in Mississippi: #55 of 55.
In-state ordinals use the live credit_unions table for MS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Mississippi College Employees Call Report trajectory
Mississippi College Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $2.0M (2025Q4) to $2.0M (2026Q1).
- Net-worth ratio shifted +0.15 pp (25.43% → 25.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 25.58%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 40/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 40.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.8 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.2 pts
Mississippi College Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.58% | +6.52 pp |
| Delinquency Rate | 3.87% | +2.06 pp |
| Return on Assets | -0.94% | -1.39 pp |
| Member Growth | -7.95% | - |
| Loan-to-Share Ratio | 40.28% | -23.32 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Mississippi College filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.0M | - |
| 2025Q4 | $2.0M | 162 |
| 2024Q4 | $2.1M | 176 |
| 2023Q4 | $2.3M | 177 |
Credit Union Details
- Charter Number
- 24895
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- Mississippi
- City
- Clinton
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Mississippi College Employees runs one office.
| Office | City |
|---|---|
| Mississsipi College Employees FCU (Main Office) | Clinton, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
More federally-insured credit unions based in Mississippi, ordered by peer group match and asset size.
Cross-state Call Report peers for Mississippi College
Cross-state asset and health neighbours for Mississippi College Employees - kept outside Mississippi; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (40/100 here).
Using this data
- Mississippi College Employees ranks #4,338 of 4,374 nationally on financial health and #53 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CHOCTAW is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CHOCTAW
- Rates and health both vary by institution, not just by state -- see how Mississippi credit unions compare overall before assuming this one is typical. Mississippi state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Mississippi College Employees financially healthy?
A 25.58% net worth ratio and a 3.87% delinquency rate feed into Mississippi College Employees's financial health score of 40/100 (Below Average), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,338 of 4,374; by total assets it ranks #4,126 of 4,374 nationally (same basis as /rankings/largest); and #51 of 55 within Mississippi. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Mississippi College Employees compare to other credit unions?
Mississippi College Employees scores 40/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Mississippi College Employees?
Mississippi College Employees is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Mississippi College Employees directly to confirm eligibility.
Is my money safe at Mississippi College Employees?
Federal credit unions like Mississippi College Employees are 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. Mississippi College Employees's net worth ratio of 25.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mississippi College Employees offer compared to banks?
Credit unions like Mississippi College Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Mississippi College Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.