BlastPoint's Credit Union Scorecard
NATCHEZ EDUCATORS
Charter #24896 · MS
NATCHEZ EDUCATORS has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.80% above tier average
- + Net Worth Ratio: Top 0.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Efficiency ratio 2.52% above tier (higher cost structure)
- - Delinquency rate 0.23% above tier average
- - Member decline: -8.2% YoY
- - Net Charge-Off Rate: Bottom 3.5% in tier
- - Total Deposits: Bottom 4.6% in tier
- - Average Member Relationship (AMR): Bottom 4.8% in tier
- - Total Assets: Bottom 6.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 42 that size in Mississippi.
- Shares and deposits +2.5% year over year ($639K in shares and deposits).
- Membership: 356 members, -8.2% vs a year ago.
- Delinquency rate 1.78%.
- Return on assets 0.85%.
- Efficiency ratio 91.28% vs a 88.77% peer average.
- Loan-to-share ratio 83.82% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
356
-8.2% YoY-5.6% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
Bottom 9.6% in tier |
| Assets |
$1.3M
+1.4% YoY-2.1% QoQ
|
$-29.0M |
$30.3M
+1.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.7% in tier |
| Loans |
$535,868
-1.9% YoY+19.4% QoQ
|
$-14.9M |
$15.5M
-1.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.0% in tier |
| Deposits |
$639,328
+2.5% YoY-4.2% QoQ
|
$-25.2M |
$25.8M
+1.1% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 4.5% in tier |
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| ROA |
0.8%
+53.7% YoY+86.0% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
52% |
| NIM |
6.7%
+0.3% YoY+7.5% QoQ
|
+2.8% |
3.9%
+0.9% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Top 1.4% in tier |
| Efficiency Ratio |
91.3%
+5.4% YoY+0.9% QoQ
|
+2.5% |
88.8%
-6.9% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
74% |
| Delinquency Rate |
1.8%
+615.4% YoY+120.9% QoQ
|
+0.2 |
1.5%
+2.1% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
76% |
| Loan To Share |
83.8%
-4.3% YoY+24.6% QoQ
|
+24.9% |
58.9%
-3.1% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
85% |
| AMR |
$3,301
+9.5% YoY+11.5% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.8% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 19.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)