This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
Tupelo, MS
Health score
86.7
Total assets
$14.0M
Credit union
NATCHEZ, MS
Health score
49.4
Total assets
$16.7M
Answer first
N. MISSISSIPPI HEALTH SERVICES EMP. leads on financial health and profitability and lending quality; ONE SOUTH leads on capitalization. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
N. MISSISSIPPI HEALTH SERVICES EMP.
Higher TFS health score
Capitalization
ONE SOUTH
Higher comparable capital ratio
Profitability
N. MISSISSIPPI HEALTH SERVICES EMP.
Higher return on assets
Lending quality
N. MISSISSIPPI HEALTH SERVICES EMP.
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | N. MISSISSIPPI HEALTH SERVICES EMP. | ONE SOUTH |
|---|---|---|
| TFS health score | 86.7/100Leads | 49.4/100 |
| Total assets | $14.0M | $16.7M |
| Total deposits / shares | $11.1M | $13.9M |
| Net worth ratio | 20.95% | 21.16%Leads |
| Return on assets | 1.63%Leads | 0.03% |
| Return on equity | 7.78%Leads |
N. MISSISSIPPI HEALTH SERVICES EMP.
1 branches
ONE SOUTH
2 branches
Both institutions report branches in 1 state: MS.
N. MISSISSIPPI HEALTH SERVICES EMP.
Unavailable
ONE SOUTH
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
N. MISSISSIPPI HEALTH SERVICES EMP.
0 in TFS registry
ONE SOUTH
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | N. MISSISSIPPI HEALTH SERVICES EMP. score | N. MISSISSIPPI HEALTH SERVICES EMP. ROA | ONE SOUTH score | ONE SOUTH ROA |
|---|---|---|---|---|
| 2026-Q1 | 89.3/100 | 1.83% | 48.5/100 | 0.38% |
| 2026-Q2 | 86.7/100 | 1.63% | 49.4/100 | 0.03% |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| 0.15% |
| 60+ day delinquency | 0.00%Leads | 3.42% |
| Net charge-offs | 0.11%Leads | 1.44% |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 62.19% | 53.82% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 1 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |