TellerScore

N. Mississippi Health Services Emp. Federal Credit Union is a federal credit union headquartered in Tupelo, Mississippi, in business for about 44 years. At the end of Q2 2026 it reported $14.0M in total assets and $11.1M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, N. Mississippi Health Services Emp. Federal Credit Union scores 97/100, which we describe as very strong. That is higher than 98% of 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 3rd. Its strongest component is capital cushion (100/100; 20.95%), and its lowest is earnings (85/100; 1.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.95%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings85/100
Return on assets (annualized): 1.63%
Funding & liquidity98/100
Loans ÷ shares: 62.2% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 3 points (100 → 97), mostly because the earnings component weakened by 15 points.

TellerScore
9799100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202499
Q3 2024100
Q4 2024100
Q1 202599
Q2 2025100
Q3 2025100
Q4 202599
Q1 202698
Q2 202697
Net worth ratio
7.00%14.23%21.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.58%
Q3 202417.17%
Q4 202418.92%
Q1 202519.57%
Q2 202519.03%
Q3 202519.38%
Q4 202521.47%
Q1 202621.37%
Q2 202620.95%
Delinquent loans (60+ days)
0.00%0.02%0.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.02%
Q4 20240.02%
Q1 20250.01%
Q2 20250.01%
Q3 20250.01%
Q4 20250.01%
Q1 20260.04%
Q2 20260.00%
Return on assets
1.63%2.10%2.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.82%
Q3 20241.99%
Q4 20242.15%
Q1 20252.57%
Q2 20252.08%
Q3 20252.06%
Q4 20252.13%
Q1 20261.83%
Q2 20261.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202697$14.0M20.95%0.00%1.63%62.2%
Q1 202698$13.5M21.37%0.04%1.83%65.7%
Q4 202599$13.1M21.47%0.01%2.13%68.4%
Q3 2025100$14.3M19.38%0.01%2.06%60.0%
Q2 2025100$14.1M19.03%0.01%2.08%60.9%
Q1 202599$13.4M19.57%0.01%2.57%67.3%
Q4 2024100$13.4M18.92%0.02%2.15%57.3%
Q3 2024100$14.4M17.17%0.02%1.99%53.1%
Q2 202499$14.4M16.58%0.00%1.82%55.5%

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).

Capital ratio20.95%
80th
Problem loans0.00%
94th
Net charge-offs0.11%
56th
Return on assets1.63%
88th
Loans to deposits62.2%
45th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
Southern Coastal Federal Credit UnionCredit union Biloxi, MS81 out of 100, Strong$14.0M18.2%0.68%vs
Pine Belt Federal Credit UnionCredit union Hattiesburg, MS73 out of 100, Strong$13.9M27.2%0.72%vs
Mississippi Highway Safty Pat Federal Credit UnionCredit union Jackson, MS69 out of 100, Moderate$13.1M28.4%6.62%vs
Ampot Federal Credit UnionCredit union Hamilton, MS52 out of 100, Below average$15.2M11.2%1.84%vs
Biloxi Teachers Federal Credit UnionCredit union Biloxi, MS83 out of 100, Strong$12.1M11.9%0.25%vs
Vicksburg Railroad Federal Credit UnionCredit union Vicksburg, MS77 out of 100, Strong$12.0M32.8%0.52%vs

Deposit insurance

Is my money safe at N. Mississippi Health Services Emp. Federal Credit Union?

Yes. N. Mississippi Health Services Emp. Federal Credit Union is a federally insured credit union (NCUA charter #23900). 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 20.95%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

N. Mississippi Health Services Emp. Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
N. Mississippi Health Services Emp. Federal Credit Union
Type
Federal credit union
NCUA charter #
23900
RSSD ID
660990
Primary regulator
NCUA
Established
1982
Headquarters
830 S Gloster St, Tupelo, MS 38801
Employees
4

Quick answers

N. Mississippi Health Services Emp. Federal Credit Union: common questions

Is N. Mississippi Health Services Emp. Federal Credit Union NCUA insured?

Yes. N. Mississippi Health Services Emp. Federal Credit Union is a federally insured credit union (NCUA charter #23900). 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 N. Mississippi Health Services Emp. Federal Credit Union's TellerScore?

97 out of 100 (Very strong), 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 N. Mississippi Health Services Emp. Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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