Natchez Educators Federal Credit Union
Total assets
$1.3M
▲ +2.3% YoY
Shares & deposits
$667K
▲ +3.9% YoY
Loans
$449K
▼ -1.8% YoY
Members
377
▼ -3.1% YoY
ROA (annualized)
0.45%
peers 0.60%
ROE (annualized)
0.91%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +3.9% | +0.7% | +3.2 pts |
| Loan growth (YoY) | -1.8% | -2.4% | +0.6 pts |
| ROA | 0.45% | 0.60% | -0.2 pts |
| ROE | 0.9% | 4.1% | -3.2 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
Profile
- Established
- 1961
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 1
- Address
- P. O. Box 774, Natchez, MS, 39121
- NCUA charter #
- 24896
- RSSD ID
- 644299
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.3M | $667K | $449K | $664K | $2K | 0.45% | 6.23% | 0.80% | 377 |
| Q4 2025 | $1.4M | $678K | $553K | $666K | $12K | 0.89% | 6.70% | 0.66% | 395 |
| Q3 2025 | $1.3M | $660K | $580K | $664K | $8K | 0.83% | 6.76% | 0.68% | 393 |
| Q2 2025 | $1.3M | $624K | $546K | $659K | $4K | 0.55% | 6.72% | 0.25% | 388 |
| Q1 2025 | $1.3M | $643K | $457K | $661K | $6K | 1.96% | 7.84% | 0.27% | 389 |
| Q4 2024 | $1.3M | $672K | $581K | $667K | $37K | 2.78% | 7.71% | 0.47% | 391 |
| Q3 2024 | $1.3M | $672K | $539K | $652K | $22K | 2.20% | 7.38% | 0.76% | 382 |
| Q2 2024 | $1.3M | $631K | $588K | $646K | $16K | 2.49% | 7.54% | 0.73% | 395 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $445K · securities $556K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 6.23% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.5% | 81.5% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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