Federal credit union · Clinton, Mississippi · NCUA charter #24895
Mississippi College Employees
Health score 40/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 40
- Health / 100
- $2.0M
- Total assets
- 162
- Members
- 25.4%
- Net-worth ratio
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.
Mississippi College Employees - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)3
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)64
Weighted composite: 40/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 25.43%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 25.43% | 30% |
| Delinquency Rate | 3.87% | 25% |
| Return on Assets | -0.94% | 15% |
| Member Growth | -7.95% | 15% |
| Loan-to-Share Ratio | 40.28% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Mississippi College Employees
162 members and $2.0M in total assets sit behind Mississippi College Employees, a federal credit union in Clinton, Mississippi, which posts a health score of 40/100 (Below Average) on the five-factor composite, with $605K in outstanding loans as of Q4 2025 and a net worth ratio of 25.43% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24895 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 40.28% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 3.87% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Return on assets stands at -0.94% on net income of $-19038 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -7.95%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Single Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Mississippi
More federally-insured credit unions based in Mississippi, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Mississippi College Employees financially healthy?
A 25.43% 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. 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 25.43% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.