First Neshoba vs Mississippi Highway Safty Pat
Comparing a Credit Union in Philadelphia, MS with a Credit Union in Jackson, MS using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| First Neshoba ↗ Credit Union · Philadelphia, MS · Est. 1964 | Mississippi Highway Safty Pat ↗ Credit Union · Jackson, MS · Est. 1964 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Philadelphia, MS | Jackson, MS |
| Total assets | $25.7M | $13.1M |
| Net worth ratio | 12.3% | 28.1% |
| Return on assets | 1.0% | 2.3% |
| Shares & deposits | — | — |
| Members | 3,900 | 1,391 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 55 | #4 of 55 |
| Established | 1964 | 1964 |
First Neshoba
- Assets: $25.7M
- Members: 3,900
- Capital ratio: 12.3%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #5 of 55
Mississippi Highway Safty Pat
- Assets: $13.1M
- Members: 1,391
- Capital ratio: 28.1%
- Return on assets: 2.3%
- CFPB complaints: 0
- State rank: #4 of 55
Are both institutions federally insured?
Yes. First Neshoba is NCUA-insured and Mississippi Highway Safty Pat is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, First Neshoba or Mississippi Highway Safty Pat?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — First Neshoba scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is First Neshoba safe?
Yes — First Neshoba is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Mississippi Highway Safty Pat safe?
Yes — Mississippi Highway Safty Pat is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of First Neshoba vs Mississippi Highway Safty Pat?
First Neshoba has a net worth ratio of 12.3%, placing it in the bottom 35% of <$100M peers. Mississippi Highway Safty Pat's ratio is 28.1%, placing it in the top 7% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does First Neshoba have compared to Mississippi Highway Safty Pat?
The CFPB database shows 0 complaints against First Neshoba, and 0 complaints against Mississippi Highway Safty Pat. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare First Neshoba with other Credit Unions in Mississippi
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
