Federal credit union · JACKSON, Mississippi · NCUA charter #14805
Mississippi National Guard
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $42.9M
- Total assets
- 2,957
- Members
- 8.4%
- Net-worth ratio
Mississippi National Guard scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $42.9M; members 2,957; net-worth ratio 8.44%; health rank #1,530 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,530 of 4,374 health · 2025Q4Mississippi National Guard · health 88/100 · $42.9M · 2025Q4
- CHARTER 88/100
- NCUSIF 8.4%
- CAMELS 1.24%
- HEALTH 0.62%
- NW $42.9M
- DELQ 2,957
- ROA #1,530/4,374
- ASSETS Family Focus
- MEM 14805
Call Report peers
Mississippi National Guard in the assets neighbourhood
Mississippi National Guard's $42.9M assets sit next to Family Focus ($42.9M) 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 National Guard 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
88 Top 35% higher than 65% 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 National Guard - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #14805, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Mississippi National Guard
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +22.42 pp (82.22% vs 59.80%).
- Net Worth Ratio trails the peer set - 8.44% here, 14.86% peer average (-6.42 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mississippi National Guard in Mississippi
- Health composite ranks #23 of 55 among scored Mississippi credit unions.
- Mississippi assets place: #19 of 55.
- Member book place in Mississippi: #24 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 National Guard Call Report trajectory
Mississippi National Guard: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $42.9M (2025Q4) to $43.5M (2026Q1).
- Net-worth ratio shifted -0.02 pp (8.46% → 8.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.44% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 26.1 pts
- Delinquency Rate 18.2 pts
- Return on Assets 15.0 pts
- Member Growth 13.8 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.44% | -6.42 pp |
| Delinquency Rate | 1.24% | +0.09 pp |
| Return on Assets | 0.62% | -0.09 pp |
| Member Growth | 3.97% | - |
| Loan-to-Share Ratio | 82.22% | +22.42 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).
Mississippi National Guard quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $43.5M | - |
| 2025Q4 | $42.9M | 2,957 |
| 2024Q4 | $41.7M | 2,844 |
| 2023Q4 | $40.4M | 2,727 |
Credit Union Details
- Charter Number
- 14805
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- JACKSON
- Data Quarter
- 2025Q4
Branch Locations (2)
Mississippi National Guard operates 2 offices in Jackson, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Mississippi National Guard FCU (Main Office) | Jackson, MS |
| Vital Records | Jackson, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
Other federally-insured credit unions in Mississippi, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Mississippi National Guard - kept outside Mississippi; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($42.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Mississippi National Guard ranks #1,530 of 4,374 nationally on financial health and #23 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BRIGHTVIEW is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BRIGHTVIEW
- 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 National Guard financially healthy?
Mississippi National Guard scores 88/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,530 of 4,374; by total assets it ranks #2,540 of 4,374 nationally (same basis as /rankings/largest); and #19 of 55 within Mississippi. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.44% net worth ratio and a 1.24% delinquency rate.
How does Mississippi National Guard compare to other credit unions?
On PlainCU's health composite, Mississippi National Guard lands at 88/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 National Guard?
Mississippi National Guard 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 National Guard directly to confirm current membership steps.
Is my money safe at Mississippi National Guard?
Federal credit unions like Mississippi National Guard 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 National Guard's net worth ratio of 8.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mississippi National Guard offer compared to banks?
Credit unions like Mississippi National Guard 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 National Guard 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.