Federal credit union · Natchez, Mississippi · NCUA charter #24896
Natchez Educators
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $1.4M
- Total assets
- 395
- Members
- 49.3%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)94
- Earnings (ROA)100
- Member growth68
- Liquidity (loan-to-share)100
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
49.29% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 49.29% | 30% |
| Delinquency Rate | 0.66% | 25% |
| Return on Assets | 2.75% | 15% |
| Member Growth | 1.02% | 15% |
| Loan-to-Share Ratio | 81.57% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Natchez Educators
Headquartered in Natchez, Mississippi, Natchez Educators is a federal credit union with 395 members, $1.4M in total assets, and $553K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 94/100 (Excellent), driven in part by a net worth ratio of 49.29% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24896 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
On loan book quality: 0.66% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 81.57% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 2.75% on net income of $37K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.02%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Single Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Mississippi
Other federally-insured credit unions in Mississippi, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 49.29% 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 49.29% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.