N. MISSISSIPPI HEALTH SERVICES EMP.
Charter #23900 · Tupelo, MS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,595 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.85% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 48.52% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 15th percentile but its structural peers at the 52nd — a 38-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 | N. MISSISSIPPI HEALTH SERVICES EMP. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.49M | 15th pct | 52th pct |
| Members | 2,595 | 65th pct | 90th pct |
| Net worth ratio | 21.37% | 89th pct | 70th pct |
| Return on average assets | 1.85% | 92th pct | 95th pct |
| Net interest margin | 3.58% | 37th pct | 36th pct |
| Cost of funds | 1.14% | 64th pct | 59th pct |
| Loan-to-share | 65.74% | 63th pct | 49th pct |
| Delinquency 60+ days | 0.04% | 14th pct | 31th pct |
| Net charge-off ratio | 0.06% | 43th pct | 54th pct |
| Loan growth YoY | 1.18% | 77th pct | 75th pct |
| Share growth YoY | -7.66% | 1th pct | 3th pct |
| Efficiency ratio | 48.52% | 3th pct | 0th pct |
structural peer set hash: f51ed09a5b2361fac05519eefaee8983… (reproducible)
Closest structural peers
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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.