MISSISSIPPI DHS
Charter #8052 · JACKSON, MS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.72% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.63% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 107.44% sits at the 95th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 43rd percentile but its structural peers at the 61st — a 17-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 | MISSISSIPPI DHS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.50M | 2th pct | 7th pct |
| Members | 2,200 | 54th pct | 56th pct |
| Net worth ratio | 13.28% | 47th pct | 48th pct |
| Return on average assets | -0.72% | 8th pct | 3th pct |
| Net interest margin | 4.63% | 82th pct | 80th pct |
| Cost of funds | 0.69% | 43th pct | 61th pct |
| Loan-to-share | 50.29% | 38th pct | 44th pct |
| Delinquency 60+ days | 0.86% | 63th pct | 66th pct |
| Net charge-off ratio | 0.05% | 42th pct | 34th pct |
| Loan growth YoY | -6.77% | 19th pct | 25th pct |
| Share growth YoY | 5.37% | 77th pct | 70th pct |
| Efficiency ratio | 107.44% | 93th pct | 95th pct |
structural peer set hash: 00f9359159c083cb9c93c7c7478c1f42… (reproducible)
Closest structural peers
This is the free public view
Claim MISSISSIPPI DHS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.