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Natchez Educators

Natchez, MS · Charter 24896

NCUA · 1 branch

Q2 2026

$1.3MAssets
$536KLoans
$639KShares
$661KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.85%, down 141 bps year over year; NIM at 6.77%.
  • Asset quality: problem loans at 1.78% of loans (+153 bps YoY).
  • Capital: net worth / assets of 50.56%, down 57 bps from a year ago.
  • Funding: loans stand at 83.82% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.85%-141 bps YoY

Net Interest Margin (quarter, annualized)

6.77%+5 bps YoY

Efficiency Ratio (quarter, annualized)

91.28%+469 bps YoY

Net Worth / Assets

50.56%-57 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.83%0.89%0.45%-0.85%-141 bps
Return on Equity1.08%1.67%1.81%0.91%-1.69%-277 bps
Net Interest Margin6.72%6.76%6.70%6.23%6.77%+5 bps
Efficiency Ratio86.60%85.20%83.67%90.48%91.28%+469 bps
Growth
Asset Growth (YoY)-0.11%-0.04%0.80%2.33%1.43%+154 bps
Loan Growth (YoY)-7.15%7.58%-4.78%-1.76%-1.89%+527 bps
Share Growth (YoY)-1.18%-1.83%0.87%3.87%2.47%+365 bps
Asset Quality
Delinquent Loans / Loans0.25%0.68%0.66%0.80%1.78%+153 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.35%0.32%0.39%0.51%0.72%+37 bps
Capital
Risk-Based Capital51.13%50.01%49.29%49.75%50.56%-57 bps
Net Worth / Assets51.13%50.01%49.29%49.75%50.56%-57 bps
Liquidity & Funding
Loans / Shares87.54%87.98%81.57%67.27%83.82%-372 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps