Federal credit union · Natchez, Mississippi · NCUA charter #24896
Natchez Educators
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $1.4M
- Total assets
- 395
- Members
- 49.8%
- Net-worth ratio
Natchez Educators scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.4M; members 395; net-worth ratio 49.75%; health rank #430 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#430 of 4,374 health · 2025Q4Natchez Educators · health 94/100 · $1.4M · 2025Q4
- DELQ 94/100
- ROA 49.8%
- ASSETS 0.66%
- MEM 2.75%
- RANK $1.4M
- PHOTO 395
- BOOK #430/4,374
- CHARTER n/a
- NCUSIF 24896
Natchez Educators carries $1.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Natchez Educators vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Natchez Educators - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24896: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Natchez Educators vs Under $2M peers
- Largest favorable gap: Loan-to-Share Ratio at 81.57% vs peer 52.70% (+28.87 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Natchez Educators: in-state Call Report ranks
- Health composite ranks #5 of 55 among scored Mississippi credit unions.
- By total assets, Natchez Educators is #53 of 55 in Mississippi.
- Member book place in Mississippi: #53 of 55.
In-state ordinals use the live credit_unions table for MS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Natchez Educators
Natchez Educators: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.2% from $1.4M (2025Q4) to $1.3M (2026Q1).
- Net-worth ratio shifted +0.46 pp (49.29% → 49.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
49.75% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.4 pts
- Return on Assets 15.0 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 15.4 pts
Natchez Educators vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 49.75% | +26.82 pp |
| Delinquency Rate | 0.66% | -3.82 pp |
| Return on Assets | 2.75% | +2.53 pp |
| Member Growth | 1.02% | - |
| Loan-to-Share Ratio | 81.57% | +28.87 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Natchez Educators quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.3M | - |
| 2025Q4 | $1.4M | 395 |
| 2024Q4 | $1.3M | 391 |
| 2023Q4 | $1.3M | 392 |
Credit Union Details
- Charter Number
- 24896
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- Under $2M
- State
- Mississippi
- City
- Natchez
- Data Quarter
- 2025Q4
Branch Location
Natchez Educators operates a single office in Natchez, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| NEFCU (Main Office) | Natchez, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
Other federally-insured credit unions in Mississippi, closest first by peer group and asset size.
Other-state peers near Natchez Educators
Cross-state asset and health neighbours for Natchez Educators - kept outside Mississippi; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Natchez Educators ranks #430 of 4,374 nationally on financial health and #5 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Issaquena County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Issaquena County
- Rates and health both vary by institution, not just by state -- see how Mississippi credit unions compare overall before assuming this one is typical. Mississippi state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Natchez Educators financially healthy?
Natchez Educators has a financial health score of 94/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #430 of 4,374; by total assets it ranks #4,193 of 4,374 nationally (same basis as /rankings/largest); and #53 of 55 within Mississippi. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 49.75% and delinquency rate of 0.66%.
How does Natchez Educators compare to other credit unions?
On PlainCU's health composite, Natchez Educators lands at 94/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Natchez Educators?
Natchez Educators is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Natchez Educators directly to confirm eligibility.
Is my money safe at Natchez Educators?
Federal credit unions like Natchez Educators are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Natchez Educators's net worth ratio of 49.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Natchez Educators offer compared to banks?
Credit unions like Natchez Educators are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Natchez Educators directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.