BlastPoint's Credit Union Scorecard
NATCHEZ EDUCATORS
Charter #24896 · MS
2596 CUs in <100M nationally
41 in MS
NATCHEZ EDUCATORS has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 2.93% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.80% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 5.0% in tier
- - Total Deposits: Bottom 5.1% in tier
- - Total Assets: Bottom 7.3% in tier
- - Total Loans: Bottom 8.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
393
+2.9% YoY+1.3% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
Bottom 10.9% in tier |
| Assets |
$1.3M
-0.0% YoY+3.0% QoQ
|
$-28.5M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.2% in tier |
| Loans |
$580,320
+7.6% YoY+6.3% QoQ
|
$-15.2M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.2% in tier |
| Deposits |
$659,593
-1.8% YoY+5.7% QoQ
|
$-24.8M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.0% in tier |
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| ROA |
0.8%
-62.2% YoY+53.7% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
54% |
| NIM |
6.9%
-8.3% YoY+2.7% QoQ
|
+2.9% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 1.7% in tier |
| Efficiency Ratio |
85.2%
+17.5% YoY-1.6% QoQ
|
+3.8% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.7%
-10.7% YoY+172.4% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
50% |
| Loan To Share |
88.0%
+9.6% YoY+0.5% QoQ
|
+26.7% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
Top 13.1% in tier |
| AMR |
$3,155
-0.5% YoY+4.6% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.0% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
28
Net Worth Ratio
risk
Value:
50.01%
Peer Avg: -
#28 of 2596
Top 1.0% in <100M tier
43
Net Interest Margin (NIM)
profitability
Value:
6.86%
Peer Avg: -
#43 of 2596
Top 1.6% in <100M tier
331
Member Growth Rate
growth
Value:
2.88%
Peer Avg: -
#331 of 2596
Top 12.7% in <100M tier
336
Loan-to-Share Ratio
balance_sheet
Value:
87.98%
Peer Avg: -
#336 of 2596
Top 12.9% in <100M tier
384
Loan Growth Rate
growth
Value:
7.58%
Peer Avg: -
#384 of 2596
Top 14.8% in <100M tier
Top Weaknesses (8 metrics)
2467
Average Member Relationship (AMR)
engagement
Value:
$3,155
Peer Avg: -
#2467 of 2596
Bottom 5.0% in <100M tier
2465
Total Deposits
balance_sheet
Value:
$659,593
Peer Avg: -
#2465 of 2596
Bottom 5.1% in <100M tier
2408
Total Assets
balance_sheet
Value:
$1.33M
Peer Avg: -
#2408 of 2596
Bottom 7.3% in <100M tier
2384
Total Loans
balance_sheet
Value:
$580,320
Peer Avg: -
#2384 of 2596
Bottom 8.2% in <100M tier
2372
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,477
Peer Avg: -
#2372 of 2596
Bottom 8.7% in <100M tier
2312
Total Members
engagement
Value:
393
Peer Avg: -
#2312 of 2596
Bottom 11.0% in <100M tier
2204
Members Per Employee (MPE)
engagement
Value:
196.500
Peer Avg: -
#2204 of 2596
Bottom 15.1% in <100M tier
2044
Net Charge-Off Rate
risk
Value:
0.72%
Peer Avg: -
#2044 of 2596
Bottom 21.3% in <100M tier