Natchez Educators
Natchez, MS · Charter 24896 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$1.3MAssets
$536KLoans
$639KShares
$661KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 100% of credit unions under $1B in assets (rank 6 of 1683).
- Widest gap: return on assets trails 96% of credit unions under $1B in assets (rank 1608 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.92%
Rank 1,608 of 1,683
Net Interest Margin
6.73%
Rank 16 of 1,683
Efficiency Ratio
91.84%
Rank 1,434 of 1,682
Equity / Assets
50.57%
Rank 6 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.92% | 0.35% | 0.74% | 1.18% | Beats 4% | 1,608 / 1,683 | |
| Return on Equity | -1.82% | 2.67% | 5.89% | 8.74% | Beats 8% | 1,547 / 1,681 | |
| Net Interest Margin | 6.73% | 3.31% | 3.82% | 4.32% | Beats 99% | 16 / 1,683 | |
| Efficiency Ratio | 91.84% | 68.91% | 78.20% | 86.93% | Beats 15% | 1,434 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.87% | 0.26% | 0.65% | 1.29% | Beats 15% | 1,423 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 50.57% | 10.44% | 12.89% | 16.53% | Beats 100% | 6 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 50.57% | 10.44% | 12.89% | 16.53% | Beats 100% | 6 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 83.88% | 52.61% | 69.38% | 83.50% | 76th pctl | 409 / 1,683 | |
| Loans / Assets | 41.01% | 44.71% | 59.18% | 70.72% | 21st pctl | 1,336 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |