Federal credit union · Amory, Mississippi · NCUA charter #16449
Northeast Mississippi
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $6.6M
- Total assets
- 969
- Members
- 15.2%
- Net-worth ratio
Northeast Mississippi scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.6M; members 969; net-worth ratio 15.22%; health rank #3,814 of 4,374; healthier than 12th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,814 of 4,374 health · 2025Q4Northeast Mississippi · health 66/100 · $6.6M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Northeast Mississippi vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Northeast Mississippi sits in 65-69 with 275 others.
66 12th percentile higher than 12% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Northeast Mississippi
- Loan-to-Share Ratio leads the peer set - 100.46% here, 63.60% peer average (+36.86 pp).
- Largest lag: Net Worth Ratio at 15.22% vs peer 19.06% (-3.84 pp).
Northeast Mississippi: in-state Call Report ranks
- Health composite ranks #46 of 55 among scored Mississippi credit unions.
- By total assets, Northeast Mississippi is #42 of 55 in Mississippi.
- Member book place in Mississippi: #46 of 55.
- One place up in Mississippi, CHOCTAW (#45) scores 67/100, 1 point higher; one place down, Meridian Postal (#47) scores 60/100, 6 points lower.
Northeast Mississippi Call Report trajectory
Northeast Mississippi: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $6.6M (2025Q4) to $6.7M (2026Q1).
- Net-worth ratio shifted +0.14 pp (15.08% → 15.22%).
At 15.22%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 66/100 score is built
Northeast Mississippi gives up 34 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 12.6 pts
- Member Growth 13.1 pts
- Loan-to-Share Ratio 10.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.22% | -3.84 pp |
| Delinquency Rate | 5.20% | +3.39 pp |
| Return on Assets | 0.34% | -0.11 pp |
| Member Growth | 3.42% | - |
| Loan-to-Share Ratio | 100.46% | +36.86 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Northeast Mississippi filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.7M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Northeast Mississippi runs one office.
| Office | City |
|---|---|
| Amory Office (Main Office) | Amory, 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.
Northeast Mississippi nationwide neighbourhoods
Using this data
- Northeast Mississippi ranks #3,814 of 4,374 nationally on financial health and #46 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MEMORIAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MEMORIAL
Frequently Asked Questions
Is Northeast Mississippi financially healthy?
Northeast Mississippi has a financial health score of 66/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,814 of 4,374 nationally on health and #46 of 55 in Mississippi. Its net worth ratio is 15.22% and its delinquency rate 5.20%.
How does Northeast Mississippi compare to other credit unions?
Northeast Mississippi scores 66/100, higher than 12% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (100.46% vs 63.60%). Its widest shortfall is net worth ratio (15.22% vs 19.06%).
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?
Northeast Mississippi 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. Northeast Mississippi's net worth ratio of 15.22% 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.