Federal credit union · Tupelo, Mississippi · NCUA charter #23900
N. Mississippi Health Services Emp.
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $13.1M
- Total assets
- 2,602
- Members
- 21.4%
- Net-worth ratio
N. Mississippi Health Services Emp. scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.1M; members 2,602; net-worth ratio 21.37%; health rank #1,031 of 4,374; healthier than 73rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,031 of 4,374 health · 2025Q4N. Mississippi Health Servi… · health 90/100 · $13.1M · 2025Q4
Call Report peers
N. Mississippi Health Services Emp. in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
N. Mississippi Health Services Emp. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); N. Mississippi Health Services Emp. sits in 90-94 with 747 others.
90 Top 27% higher than 73% 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
Peer-gap read for N. Mississippi Health Services Emp.
- Loan-to-Share Ratio leads the peer set - 68.38% here, 59.80% peer average (+8.58 pp).
N. Mississippi Health Services Emp.: in-state Call Report ranks
- Health composite ranks #13 of 55 among scored Mississippi credit unions.
- Assets rank #32 of 55 inside Mississippi ($13.1M reported).
- Mississippi membership ordinal: #27 of 55.
- One place up in Mississippi, Vicksburg Railroad (#12) ties at 90/100; one place down, SUNBELT (#14) ties at 90/100.
N. Mississippi Health Services Emp. Call Report trajectory
N. Mississippi Health Services Emp.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $13.1M (2025Q4) to $13.5M (2026Q1).
- Net-worth ratio shifted -0.10 pp (21.47% → 21.37%).
21.37% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
N. Mississippi Health Services Emp. gives up 10 points in total. Member Growth costs the most, 9.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.5 pts
- Loan-to-Share Ratio 14.5 pts
N. Mississippi Health Services Emp. vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.37% | +6.51 pp |
| Delinquency Rate | 0.01% | -1.13 pp |
| Return on Assets | 2.19% | +1.49 pp |
| Member Growth | -1.96% | - |
| Loan-to-Share Ratio | 68.38% | +8.58 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.5M | - |
| 2025Q4 | $13.1M | 2,602 |
| 2024Q4 | $13.4M | 2,654 |
| 2023Q4 | $13.6M | 2,669 |
Credit Union Details
- Charter Number
- 23900
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- Tupelo
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for N. Mississippi Health Services Emp..
| Office | City |
|---|---|
| NMMC (Main Office) | Tupelo, MS |
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.
N. Mississippi Health Services Emp. nationwide neighbourhoods
Using this data
- N. Mississippi Health Services Emp. ranks #1,031 of 4,374 nationally on financial health and #13 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pine Belt is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pine Belt
Frequently Asked Questions
Is N. Mississippi Health Services Emp. financially healthy?
On its 2025Q4 NCUA 5300 filing, N. Mississippi Health Services Emp. scores 90/100 (Excellent), with a 21.37% net worth ratio and 0.01% of loans delinquent. It ranks #1,031 of 4,374 nationally on health and #13 of 55 in Mississippi.
How does N. Mississippi Health Services Emp. compare to other credit unions?
N. Mississippi Health Services Emp. scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (68.38% vs 59.80%).
How can I join N. Mississippi Health Services Emp.?
N. Mississippi Health Services Emp. operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact N. Mississippi Health Services Emp. directly for the exact boundaries and application steps.
Is my money safe at N. Mississippi Health Services Emp.?
N. Mississippi Health Services Emp. 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. N. Mississippi Health Services Emp.'s net worth ratio of 21.37% 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.