Asset Quality Score
In this test, Bankrate tries to determine the effect of troubled assets, such as unpaid mortgages, on the credit union's loan loss reserves and overall capitalization.
Having lots of these kinds of assets suggests a credit union could eventually have to use capital to cover losses, shrinking its cushion of equity. Many of those assets are also likely to be in non-accrual status and thus aren't earning money, resulting in depressed earnings and potentially more risk of a failure in the future.
MISSISSIPPI DHS scored 40 out of a possible 40 points on Bankrate's asset quality test, better than the national average of 38.15.
MISSISSIPPI DHS's ratio of troubled assets was 7.00 percent in our test, the same as the national average.