Mississippi Highway Safty Pat Federal Credit Union is a federal credit union headquartered in Jackson, Mississippi, in business for about 62 years. At the end of Q2 2026 it reported $13.1M in total assets and $9.3M in member shares and deposits, with 1 office.
Mississippi Highway Safty Pat Federal Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 38% of its 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 32nd. Capital cushion contributes the most (100/100, 28.43%); loan quality contributes the least (0/100, 6.62%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 8 points (77 → 69), mostly because the loan quality component weakened by 27 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 82 |
| Q4 2024 | 76 |
| Q1 2025 | 78 |
| Q2 2025 | 77 |
| Q3 2025 | 70 |
| Q4 2025 | 70 |
| Q1 2026 | 70 |
| Q2 2026 | 69 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 24.26% |
| Q3 2024 | 24.54% |
| Q4 2024 | 24.72% |
| Q1 2025 | 25.50% |
| Q2 2025 | 26.17% |
| Q3 2025 | 26.65% |
| Q4 2025 | 28.09% |
| Q1 2026 | 28.07% |
| Q2 2026 | 28.43% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 1.31% |
| Q4 2024 | 2.09% |
| Q1 2025 | 2.15% |
| Q2 2025 | 2.20% |
| Q3 2025 | 3.24% |
| Q4 2025 | 4.31% |
| Q1 2026 | 3.93% |
| Q2 2026 | 6.62% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.54% |
| Q3 2024 | 1.67% |
| Q4 2024 | 1.73% |
| Q1 2025 | 2.22% |
| Q2 2025 | 2.48% |
| Q3 2025 | 2.20% |
| Q4 2025 | 2.34% |
| Q1 2026 | 2.30% |
| Q2 2026 | 1.88% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $13.1M | 28.43% | 6.62% | 1.88% | 75.8% |
| Q1 2026 | 70 | $13.1M | 28.07% | 3.93% | 2.30% | 79.9% |
| Q4 2025 | 70 | $12.8M | 28.09% | 4.31% | 2.34% | 83.6% |
| Q3 2025 | 70 | $13.2M | 26.65% | 3.24% | 2.20% | 81.7% |
| Q2 2025 | 77 | $13.2M | 26.17% | 2.20% | 2.48% | 82.1% |
| Q1 2025 | 78 | $13.2M | 25.50% | 2.15% | 2.22% | 83.1% |
| Q4 2024 | 76 | $13.3M | 24.72% | 2.09% | 1.73% | 83.6% |
| Q3 2024 | 82 | $13.2M | 24.54% | 1.31% | 1.67% | 83.8% |
| Q2 2024 | 83 | $13.0M | 24.26% | 1.17% | 1.54% | 83.1% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pine Belt Federal Credit UnionCredit union Hattiesburg, MS | 73 out of 100, Strong | $13.9M | 27.2% | 0.72% | vs |
| N. Mississippi Health Services Emp. Federal Credit UnionCredit union Tupelo, MS | 97 out of 100, Very strong | $14.0M | 20.9% | 0.00% | vs |
| Southern Coastal Federal Credit UnionCredit union Biloxi, MS | 81 out of 100, Strong | $14.0M | 18.2% | 0.68% | vs |
| Biloxi Teachers Federal Credit UnionCredit union Biloxi, MS | 83 out of 100, Strong | $12.1M | 11.9% | 0.25% | vs |
| Vicksburg Railroad Federal Credit UnionCredit union Vicksburg, MS | 77 out of 100, Strong | $12.0M | 32.8% | 0.52% | vs |
| First Unity Federal Credit UnionCredit union McComb, MS | 58 out of 100, Moderate | $11.7M | 14.0% | 26.52% | vs |
Deposit insurance
Is my money safe at Mississippi Highway Safty Pat Federal Credit Union?
Yes. Mississippi Highway Safty Pat Federal Credit Union is a federally insured credit union (NCUA charter #16327). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 28.43%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Mississippi Highway Safty Pat Federal Credit Union lists 1 office in 1 city. Most locations:
- Pearl, MS (1)
Identity & history
Profile
- Legal name
- Mississippi Highway Safty Pat Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 16327
- RSSD ID
- 932482
- Primary regulator
- NCUA
- Established
- 1964
- Headquarters
- P.O. Box 958, Jackson, MS 39205
- Employees
- 3
Quick answers
Mississippi Highway Safty Pat Federal Credit Union: common questions
Is Mississippi Highway Safty Pat Federal Credit Union NCUA insured?
Yes. Mississippi Highway Safty Pat Federal Credit Union is a federally insured credit union (NCUA charter #16327). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Mississippi Highway Safty Pat Federal Credit Union's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Mississippi Highway Safty Pat Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Jackson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mississippi Public Employees Federal Credit UnionCredit union Jackson, MS | 97 out of 100, Very strong | $29.2M | 18.1% | 0.10% | vs |
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Merchants and Planters BankBank Raymond, MS | 91 out of 100, Very strong | $199.0M | 18.2% | 0.00% | vs |
| Members Exchange Federal Credit UnionCredit union Jackson, MS | 87 out of 100, Very strong | $143.6M | 21.2% | 0.37% | vs |
| Magnolia Federal Credit UnionCredit union Jackson, MS | 87 out of 100, Very strong | $185.6M | 23.4% | 0.55% | vs |
| Ecm Federal Credit UnionCredit union Ridgeland, MS | 87 out of 100, Very strong | $28.9M | 14.9% | 0.66% | vs |