Federal credit union · Amory, Mississippi · NCUA charter #16449
Northeast Mississippi
Health score 66/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $6.6M
- Total assets
- 969
- Members
- 15.1%
- Net-worth ratio
Northeast Mississippi - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #16449. See our deposit-insurance coverage note.
Northeast Mississippi - 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)0
- Earnings (ROA)84
- Member growth87
- Liquidity (loan-to-share)69
Weighted composite: 66/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 15.08%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.08% | 30% |
| Delinquency Rate | 5.20% | 25% |
| Return on Assets | 0.34% | 15% |
| Member Growth | 3.42% | 15% |
| Loan-to-Share Ratio | 100.46% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $6.6M | 969 |
| 2024Q4 | $6.1M | 937 |
| 2023Q4 | $6.8M | 956 |
Credit Union Details
- Charter Number
- 16449
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Mississippi
- City
- Amory
- Data Quarter
- 2025Q4
What This Data Says About Northeast Mississippi
Northeast Mississippi is a federal credit union headquartered in Amory, Mississippi, serving 969 members with $6.6M in total assets and $5.6M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 66/100 (Good), anchored by a net worth ratio of 15.08% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #16449 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
5.20% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Deposit deployment is captured by the 100.46% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.34% on net income of $22K 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 3.42%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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 Northeast Mississippi financially healthy?
A 15.08% net worth ratio and a 5.20% delinquency rate feed into Northeast Mississippi's financial health score of 66/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Northeast Mississippi compare to other credit unions?
Five weighted metrics from NCUA filings produce Northeast Mississippi's 66/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Northeast Mississippi?
Northeast Mississippi 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 Northeast Mississippi directly for the exact boundaries and application steps.
Is my money safe at Northeast Mississippi?
Federal credit unions like Northeast Mississippi 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. Northeast Mississippi's net worth ratio of 15.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northeast Mississippi offer compared to banks?
Credit unions like Northeast Mississippi 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 Northeast Mississippi 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.