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
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Natchez Educators vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Natchez Educators sits in 90-94 with 747 others.
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 vs Under $2M peers
- Largest favorable gap: Loan-to-Share Ratio at 81.57% vs peer 52.70% (+28.87 pp).
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.
- One place up in Mississippi, KEESLER (#4) scores 95/100, 1 point higher; one place down, Southern Coastal (#6) ties at 94/100.
Quarter path for Natchez Educators
Natchez Educators: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.2% from $1.4M (2025Q4) to $1.3M (2026Q1).
- Net-worth ratio shifted +0.46 pp (49.29% → 49.75%).
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
Natchez Educators gives up 6 points in total. Member Growth costs the most, 4.8 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Natchez Educators financially healthy?
On its 2025Q4 NCUA 5300 filing, Natchez Educators scores 94/100 (Excellent), with a 49.75% net worth ratio and 0.66% of loans delinquent. It ranks #430 of 4,374 nationally on health and #5 of 55 in Mississippi.
How does Natchez Educators compare to other credit unions?
Natchez Educators scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (81.57% vs 52.70%).
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?
Natchez Educators is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.