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
- CHARTER 90/100
- NCUSIF 21.4%
- CAMELS 0.01%
- HEALTH 2.19%
- NW $13.1M
- DELQ 2,602
- ROA #1,031/4,374
- ASSETS BLAW-KNOX
- MEM 23900
Call Report peers
N. Mississippi Health Services Emp. in the assets neighbourhood
N. Mississippi Health Services Emp.'s $13.1M assets sit next to BLAW-KNOX ($13.1M) 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.
N. Mississippi Health Services Emp. 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
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
N. Mississippi Health Services Emp. - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #23900, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
N. Mississippi Health Services Emp. Call Report trajectory
N. Mississippi Health Services Emp.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $13.1M (2025Q4) to $13.5M (2026Q1).
- Net-worth ratio shifted -0.10 pp (21.47% → 21.37%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
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).
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
N. Mississippi Health Services Emp.'s nationwide photo peers by assets and by health score, excluding Mississippi charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($13.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- 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 N. Mississippi Health Services Emp. financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, N. Mississippi Health Services Emp. carries a financial health score of 90/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,031 of 4,374; by total assets it ranks #3,404 of 4,374 nationally (same basis as /rankings/largest); and #32 of 55 within Mississippi. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 21.37% net worth ratio and a 0.01% delinquency rate.
How does N. Mississippi Health Services Emp. compare to other credit unions?
N. Mississippi Health Services Emp. scores 90/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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.?
Federal credit unions like N. Mississippi Health Services Emp. 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. N. Mississippi Health Services Emp.'s net worth ratio of 21.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does N. Mississippi Health Services Emp. offer compared to banks?
Credit unions like N. Mississippi Health Services Emp. 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 N. Mississippi Health Services Emp. 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.