Federal credit union · Jackson, Mississippi · NCUA charter #16327
Mississippi Highway Safty Pat
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $12.8M
- Total assets
- 1,388
- Members
- 28.1%
- Net-worth ratio
Mississippi Highway Safty Pat scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.8M; members 1,388; net-worth ratio 28.07%; health rank #3,686 of 4,374; healthier than 15th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,686 of 4,374 health · 2025Q4Mississippi Highway Safty P… · health 68/100 · $12.8M · 2025Q4
Call Report peers
Mississippi Highway Safty Pat in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mississippi Highway Safty Pat vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Mississippi Highway Safty Pat sits in 65-69 with 275 others.
68 15th percentile higher than 15% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Mississippi Highway Safty Pat
- Loan-to-Share Ratio leads the peer set - 83.55% here, 59.80% peer average (+23.75 pp).
- Widest shortfall vs peers is Delinquency Rate: +3.16 pp (4.31% vs 1.15%).
Mississippi standing for Mississippi Highway Safty Pat
- Mississippi health ordinal: #44 of 55.
- Mississippi assets place: #33 of 55.
- Mississippi membership ordinal: #41 of 55.
- One place up in Mississippi, MUW (#43) scores 69/100, 1 point higher; one place down, CHOCTAW (#45) scores 67/100, 1 point lower.
Mississippi Highway Safty Pat Call Report trajectory
Mississippi Highway Safty Pat: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $12.8M (2025Q4) to $13.1M (2026Q1).
- Net-worth ratio shifted -0.02 pp (28.09% → 28.07%).
At 28.07%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 68/100 score is built
Mississippi Highway Safty Pat gives up 32 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for Mississippi Highway Safty Pat
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 28.07% | +13.21 pp |
| Delinquency Rate | 4.31% | +3.16 pp |
| Return on Assets | 1.80% | +1.10 pp |
| Member Growth | -0.79% | - |
| Loan-to-Share Ratio | 83.55% | +23.75 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Mississippi Highway Safty P… filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.1M | - |
| 2025Q4 | $12.8M | 1,388 |
| 2024Q4 | $13.3M | 1,399 |
| 2023Q4 | $12.5M | 1,407 |
Credit Union Details
- Charter Number
- 16327
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- Jackson
- Data Quarter
- 2025Q4
Branch Location
Mississippi Highway Safty Pat operates a single office in Pearl, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MS Highway Safety Patrol FCU (Main Office) | Pearl, 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.
- N. MISSISSIPPI HEALTH SERVICES EMP.Tupelo, MS · $10M–$50M90Health
- PINE BELTHattiesburg, MS · $10M–$50M80Health
- FIRST UNITYMcComb, MS · $10M–$50M75Health
- VICKSBURG RAILROADVicksburg, MS · $10M–$50M90Health
- SOUTHERN COASTALBILOXI, MS · $10M–$50M94Health
Compare Mississippi Highway Safty Pat vs N. MISSISSIPPI HEALTH SERVICES EMP.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Mississippi Highway Safty Pat ranks #3,686 of 4,374 nationally on financial health and #44 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- N. Mississippi Health Services Emp. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with N. Mississippi Health Services Emp.
Frequently Asked Questions
Is Mississippi Highway Safty Pat financially healthy?
Mississippi Highway Safty Pat has a financial health score of 68/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,686 of 4,374 nationally on health and #44 of 55 in Mississippi. Its net worth ratio is 28.07% and its delinquency rate 4.31%.
How does Mississippi Highway Safty Pat compare to other credit unions?
Mississippi Highway Safty Pat scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (83.55% vs 59.80%). Its widest shortfall is delinquency rate (4.31% vs 1.15%).
How can I join Mississippi Highway Safty Pat?
Mississippi Highway Safty Pat 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 Highway Safty Pat directly to confirm current membership steps.
Is my money safe at Mississippi Highway Safty Pat?
Mississippi Highway Safty Pat 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 Highway Safty Pat's net worth ratio of 28.07% 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.