BlastPoint's Credit Union Scorecard
NATCHEZ EDUCATORS
Charter #24896 · MS
NATCHEZ EDUCATORS has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Net Interest Margin 2.22% above tier average
- + Net Worth Ratio: Top 1.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.1% YoY
- - Average Member Relationship (AMR): Bottom 4.3% in tier
- - Total Deposits: Bottom 4.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.9% in tier
- - Total Assets: Bottom 7.1% in tier
- - Total Loans: Bottom 7.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
377
-3.1% YoY-4.6% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
Bottom 10.2% in tier |
| Assets |
$1.3M
+2.3% YoY-1.2% QoQ
|
$-28.9M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.1% in tier |
| Loans |
$448,962
-1.8% YoY-18.8% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.1% in tier |
| Deposits |
$667,363
+3.9% YoY-1.6% QoQ
|
$-25.1M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.8% in tier |
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| ROA |
0.5%
-76.4% YoY-49.6% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
42% |
| NIM |
6.2%
-19.4% YoY-7.9% QoQ
|
+2.2% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
Top 3.1% in tier |
| Efficiency Ratio |
90.5%
+22.9% YoY+8.1% QoQ
|
-0.2% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
70% |
| Delinquency Rate |
0.8%
+198.0% YoY+22.8% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
58% |
| Loan To Share |
67.3%
-5.4% YoY-17.5% QoQ
|
+8.8% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
63% |
| AMR |
$2,961
+4.8% YoY-5.0% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.3% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)