Federal credit union · Jackson, Mississippi · NCUA charter #24976
Mississippi Public Employees
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $29.5M
- Total assets
- 5,128
- Members
- 17.1%
- Net-worth ratio
Mississippi Public Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24976. See our deposit-insurance coverage note.
Mississippi Public Employees - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)82
- Earnings (ROA)30
- Member growth-
- Liquidity (loan-to-share)62
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 17.13% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.13% | 30% |
| Delinquency Rate | 0.94% | 25% |
| Return on Assets | 0.00% | 15% |
| Member Growth | N/A | 15% |
| Loan-to-Share Ratio | 36.25% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Credit Union Details
- Charter Number
- 24976
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- Jackson
- Data Quarter
- 2025Q4
What This Data Says About Mississippi Public Employees
Charter #24976, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Mississippi Public Employees, a federal credit union in Jackson, Mississippi with 5,128 members, $29.5M in total assets, and $8.8M in outstanding loans as of Q4 2025. The five-factor composite scores it 76/100 (Very Good), helped by a net worth ratio of 17.13% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.94% 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 tighter than peers. Deposit deployment is captured by the 36.25% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.00% on net income of $0 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.
These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Multiple Common Bond) 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
Other federally-insured credit unions in Mississippi, closest first by peer group 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 Public Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Mississippi Public Employees carries a financial health score of 76/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 17.13% net worth ratio and a 0.94% delinquency rate.
How does Mississippi Public Employees compare to other credit unions?
On PlainCU's health composite, Mississippi Public Employees lands at 76/100, 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 Public Employees?
Mississippi Public Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Mississippi Public Employees directly for the current list of qualifying groups.
Is my money safe at Mississippi Public Employees?
Federal credit unions like Mississippi Public 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 Public Employees's net worth ratio of 17.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mississippi Public Employees offer compared to banks?
Credit unions like Mississippi Public 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 Public 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.