Mississippi Dhs Federal Credit Union
Total assets
$10.5M
▲ +0.8% YoY
Shares & deposits
$9.0M
▲ +1.1% YoY
Loans
$4.5M
▲ +5.1% YoY
Members
2,200
▲ +1.1% YoY
ROA (annualized)
-0.71%
peers 0.60%
ROE (annualized)
-5.33%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | +1.1% | +0.7% | +0.4 pts |
| Loan growth (YoY) | +5.1% | -2.4% | +7.5 pts |
| ROA | -0.71% | 0.60% | -1.3 pts |
| ROE | -5.3% | 4.1% | -9.4 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 767 N President St, Jackson, MS, 39202
- NCUA charter #
- 8052
- RSSD ID
- 581385
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.5M | $9.0M | $4.5M | $1.4M | $-19K | -0.71% | 4.55% | 0.86% | 2,200 |
| Q4 2025 | $10.1M | $8.6M | $4.8M | $1.4M | $-2K | -0.02% | 5.07% | 0.17% | 2,191 |
| Q3 2025 | $10.1M | $8.5M | $4.8M | $1.4M | $4K | 0.06% | 5.15% | 1.31% | 2,187 |
| Q2 2025 | $10.2M | $8.7M | $4.6M | $1.4M | $5K | 0.10% | 5.09% | 1.24% | 2,183 |
| Q1 2025 | $10.4M | $8.9M | $4.3M | $1.4M | $-5K | -0.18% | 4.83% | 0.84% | 2,177 |
| Q4 2024 | $10.3M | $8.8M | $4.7M | $1.4M | $33K | 0.33% | 5.07% | 0.52% | 2,169 |
| Q3 2024 | $10.3M | $8.8M | $4.8M | $1.4M | $36K | 0.47% | 4.97% | 0.33% | 2,203 |
| Q2 2024 | $10.0M | $8.5M | $4.7M | $1.4M | $28K | 0.55% | 5.08% | 0.84% | 2,187 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.9M · securities $4.2M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.71% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -5.3% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.83% | 78th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.4% | 81.5% | 89th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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