BlastPoint's Credit Union Scorecard
NATCHEZ EDUCATORS
Charter #24896 · MS
2556 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 0.28% above tier average
- + Net Interest Margin 2.81% 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 1.11% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 4.7% in tier
- - Total Deposits: Bottom 4.9% in tier
- - Total Assets: Bottom 7.1% in tier
- - Total Loans: Bottom 7.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
395
+1.0% YoY+0.5% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
Bottom 10.8% in tier |
| Assets |
$1.4M
+0.8% YoY+1.9% QoQ
|
$-28.8M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.1% in tier |
| Loans |
$553,066
-4.8% YoY-4.7% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.9% in tier |
| Deposits |
$678,033
+0.9% YoY+2.8% QoQ
|
$-25.0M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
-67.7% YoY+6.7% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
61% |
| NIM |
6.8%
-12.7% YoY-1.4% QoQ
|
+2.8% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Top 1.7% in tier |
| Efficiency Ratio |
83.7%
+24.4% YoY-1.8% QoQ
|
+1.1% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.7%
+38.0% YoY-3.2% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
81.6%
-5.6% YoY-7.3% QoQ
|
+21.0% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$3,117
-2.7% YoY-1.2% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.6% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
27
Net Worth Ratio
risk
Value:
49.29%
Peer Median: -
#27 of 2556
Top 1.0% in <100M tier
43
Net Interest Margin (NIM)
profitability
Value:
6.76%
Peer Median: -
#43 of 2556
Top 1.6% in <100M tier
505
Loan-to-Share Ratio
balance_sheet
Value:
81.57%
Peer Median: -
#505 of 2556
Top 19.7% in <100M tier
586
Member Growth Rate
growth
Value:
1.02%
Peer Median: -
#586 of 2556
Top 22.9% in <100M tier
Top Weaknesses (9 metrics)
2438
Average Member Relationship (AMR)
engagement
Value:
$3,117
Peer Median: -
#2438 of 2556
Bottom 4.7% in <100M tier
2432
Total Deposits
balance_sheet
Value:
$678,033
Peer Median: -
#2432 of 2556
Bottom 4.9% in <100M tier
2375
Total Assets
balance_sheet
Value:
$1.35M
Peer Median: -
#2375 of 2556
Bottom 7.1% in <100M tier
2354
Total Loans
balance_sheet
Value:
$553,066
Peer Median: -
#2354 of 2556
Bottom 7.9% in <100M tier
2354
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,400
Peer Median: -
#2354 of 2556
Bottom 7.9% in <100M tier
2279
Total Members
engagement
Value:
395
Peer Median: -
#2279 of 2556
Bottom 10.9% in <100M tier
2164
Members Per Employee (MPE)
engagement
Value:
197.500
Peer Median: -
#2164 of 2556
Bottom 15.4% in <100M tier
2004
Net Charge-Off Rate
risk
Value:
0.76%
Peer Median: -
#2004 of 2556
Bottom 21.6% in <100M tier
1930
AMR Growth Rate
growth
Value:
-2.75%
Peer Median: -
#1930 of 2556
Bottom 24.5% in <100M tier