NORTHEAST MISSISSIPPI
Charter #16449 · Amory, MS · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.18% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.65% sits at the 85th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 5.80% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 60.22% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 49th — a 32-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | NORTHEAST MISSISSIPPI | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.74M | 78th pct | 54th pct |
| Members | 987 | 81th pct | 49th pct |
| Net worth ratio | 15.22% | 40th pct | 56th pct |
| Return on average assets | 2.18% | 93th pct | 90th pct |
| Net interest margin | 4.97% | 77th pct | 51th pct |
| Cost of funds | 2.65% | 94th pct | 85th pct |
| Loan-to-share | 98.95% | 93th pct | 89th pct |
| Delinquency 60+ days | 5.80% | 89th pct | 92th pct |
| Net charge-off ratio | 0.66% | 84th pct | 69th pct |
| Loan growth YoY | 0.03% | 75th pct | 66th pct |
| Share growth YoY | 2.97% | 70th pct | 59th pct |
| Efficiency ratio | 60.22% | 16th pct | 11th pct |
structural peer set hash: 81b65037c283fb343f151c0d0fb41960… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.