Federal credit union · JACKSON, Mississippi · NCUA charter #8052
Mississippi Dhs
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $10.1M
- Total assets
- 2,191
- Members
- 13.3%
- Net-worth ratio
Mississippi Dhs scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.1M; members 2,191; net-worth ratio 13.28%; health rank #1,239 of 4,374; healthier than 69th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,239 of 4,374 health · 2025Q4Mississippi Dhs · health 89/100 · $10.1M · 2025Q4
- ROA 89/100
- ASSETS 13.3%
- MEM 0.17%
- RANK 0.33%
- PHOTO $10.1M
- BOOK 2,191
- CHARTER #1,239/4,374
- NCUSIF P.S.E. & G. Nuclear Employees
- CAMELS 8052
Call Report peers
Mississippi Dhs in the assets neighbourhood
Mississippi Dhs's $10.1M assets sit next to P.S.E. & G. Nuclear Employees ($10.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mississippi Dhs 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
89 Top 31% higher than 69% 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 Dhs - Share Insurance Coverage
Charter #8052'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 Dhs vs $10M–$50M peers
- Delinquency Rate leads the peer set - 0.17% here, 1.15% peer average (-0.97 pp).
- Largest lag: Loan-to-Share Ratio at 55.47% vs peer 59.80% (-4.33 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mississippi standing for Mississippi Dhs
- In Mississippi, health place is #18 of 55 on the same NCUA-ratio sort used nationally.
- Mississippi assets place: #39 of 55.
- Member book place in Mississippi: #29 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 Dhs Call Report trajectory
Mississippi Dhs: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $10.1M (2025Q4) to $10.5M (2026Q1).
- Net-worth ratio shifted -0.65 pp (13.93% → 13.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.28%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.5 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 11.3 pts
Mississippi Dhs health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.28% | -1.58 pp |
| Delinquency Rate | 0.17% | -0.97 pp |
| Return on Assets | 0.33% | -0.37 pp |
| Member Growth | 1.01% | - |
| Loan-to-Share Ratio | 55.47% | -4.33 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Mississippi Dhs
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.5M | - |
| 2025Q4 | $10.1M | 2,191 |
| 2024Q4 | $10.3M | 2,169 |
| 2023Q4 | $9.8M | 2,116 |
Credit Union Details
- Charter Number
- 8052
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- JACKSON
- Data Quarter
- 2025Q4
Branch Locations (2)
Mississippi Dhs operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MS DHS FCU (Main Office) | JACKSON, MS |
| Bradford Scott | Fort Wayne, IN |
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.
Mississippi Dhs nationwide neighbourhoods
Cross-state asset and health neighbours for Mississippi Dhs - kept outside Mississippi; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Mississippi Dhs ranks #1,239 of 4,374 nationally on financial health and #18 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HEALTHPLUS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HEALTHPLUS
- 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 Dhs financially healthy?
A 13.28% net worth ratio and a 0.17% delinquency rate feed into Mississippi Dhs's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,239 of 4,374; by total assets it ranks #3,557 of 4,374 nationally (same basis as /rankings/largest); and #39 of 55 within Mississippi. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Mississippi Dhs compare to other credit unions?
Mississippi Dhs scores 89/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Dhs?
Mississippi Dhs 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 Mississippi Dhs directly to confirm current membership steps.
Is my money safe at Mississippi Dhs?
Federal credit unions like Mississippi Dhs 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 Dhs's net worth ratio of 13.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mississippi Dhs offer compared to banks?
Credit unions like Mississippi Dhs 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 Dhs 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.