Mississippi Highway Safty Pat

Jackson, MS · 1 · Charter #16327 · www.mhspfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$12.8M
48th percentile
Members
1,388
49th percentile
Total loans
$7.7M
57th percentile
Total shares
$9.2M
45th percentile

Profitability

Return on assets
2.39%
95th percentile
Net interest margin
4.76%
77th percentile
Efficiency ratio
47.35%
86th percentile
Non-interest income ratio
7.04%
42th percentile

Capital & Risk

Net worth ratio
28.09%
91th percentile
Delinquency rate
4.31%
9th percentile
Net charge-off rate
0.14%
57th percentile
Loan-to-share
83.55%
81th percentile

Growth

Member growth YoY
-0.79%
57th percentile
Asset growth YoY
-4.01%
20th percentile
Loan growth YoY
-8.21%
30th percentile
Share growth YoY
-8.15%
12th percentile

Operations

Members / branch
694
33th percentile
Assets / member
$9,229
50th percentile
Field of membership penetration
37.01%
51th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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