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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Mississippi College Employees sits in 40-44 with 25 others.
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
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).
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.
- One place up in Mississippi, Treasury Employees (#52) scores 45/100, 5 points higher; one place down, Water's Edge (#54) scores 34/100, 6 points lower.
Mississippi College Employees Call Report trajectory
Mississippi College Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $2.0M (2025Q4) to $2.0M (2026Q1).
- Net-worth ratio shifted +0.15 pp (25.43% → 25.58%).
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
Mississippi College Employees gives up 60 points in total. Delinquency Rate costs the most, 24.2 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Mississippi College Employees financially healthy?
Mississippi College Employees has a financial health score of 40/100 (Below Average) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,338 of 4,374 nationally on health and #53 of 55 in Mississippi. Its net worth ratio is 25.58% and its delinquency rate 3.87%.
How does Mississippi College Employees compare to other credit unions?
Mississippi College Employees scores 40/100, higher than 1% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (25.58% vs 19.06%). Its widest shortfall is loan-to-share ratio (40.28% vs 63.60%).
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?
Mississippi College Employees 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. Mississippi College Employees's net worth ratio of 25.58% 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.