Federal credit union · Jackson, Mississippi · NCUA charter #16327
Mississippi Highway Safty Pat
Health score 68/100 (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 - Share Insurance Coverage
Charter #16327'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 Highway Safty Pat - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth51
- Liquidity (loan-to-share)100
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 28.09%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 28.09% | 30% |
| Delinquency Rate | 4.31% | 25% |
| Return on Assets | 1.80% | 15% |
| Member Growth | -0.79% | 15% |
| Loan-to-Share Ratio | 83.55% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Mississippi Highway Safty Pat
Headquartered in Jackson, Mississippi, Mississippi Highway Safty Pat is a federal credit union with 1,388 members, $12.8M in total assets, and $7.7M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 68/100 (Good), driven in part by a net worth ratio of 28.09% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #16327 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
4.31% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 83.55% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.80% on net income of $231K 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 -0.79%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Low Income) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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–$50M72Health
- VICKSBURG RAILROADVicksburg, MS · $10M–$50M90Health
- SOUTHERN COASTALBILOXI, MS · $10M–$50M94Health
Compare Mississippi Highway Safty Pat vs N. MISSISSIPPI HEALTH SERVICES EMP.
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 Highway Safty Pat financially healthy?
A 28.09% net worth ratio and a 4.31% delinquency rate feed into Mississippi Highway Safty Pat's financial health score of 68/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Mississippi Highway Safty Pat compare to other credit unions?
PlainCU's health composite puts Mississippi Highway Safty Pat at 68/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Mississippi Highway Safty Pat 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 Highway Safty Pat's net worth ratio of 28.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mississippi Highway Safty Pat offer compared to banks?
Credit unions like Mississippi Highway Safty Pat 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 Highway Safty Pat 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.