Credit Union Safety Analysis
Is Natchez Educators Federal Credit Union Safe? Natchez, Mississippi
Based on its Q2 2026 NCUA 5300 call report, Natchez Educators Federal Credit Union has a net worth ratio of 50.56%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.78%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Natchez Educators Federal Credit Union's net worth ratio is 50.56%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 50.56%
- Delinquency ratio (60+ days) (Q2 2026): 1.78%
- Return on assets (Q2 2026): -2.17%
- Loan-to-share ratio (Q2 2026): 83.82%
Natchez Educators Federal Credit Union (NCUA charter 24896, established 1961) reported $1.3M in assets and 356 members for Q2 2026 from Natchez, Mississippi. It ranks 51 of 52 credit unions in Mississippi by total assets. Total assets grew 1.4% from $1.3M on June 30, 2025. It has 32 fewer members than on June 30, 2025 (-8.2%). Its net worth ratio was down 0.57 percentage points from 51.13% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $240K of $536K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.78% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 49.75% for Q1 2026; 51.13% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.80% for Q1 2026; 0.25% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.45% for Q1 2026; -0.87% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 67.27% for Q1 2026; 87.54% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $240K
- Used vehicle loans: $212K
- New vehicle loans: $83K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.3M | 50.56% | 1.78% | -2.17% | 83.82% |
| March 31, 2026 | $1.3M | 49.75% | 0.80% | 0.45% | 67.27% |
| December 31, 2025 | $1.4M | 49.29% | 0.66% | 1.12% | 81.57% |
| September 30, 2025 | $1.3M | 50.01% | 0.68% | 1.42% | 87.98% |
| June 30, 2025 | $1.3M | 51.13% | 0.25% | -0.87% | 87.54% |
| March 31, 2025 | $1.3M | 50.65% | 0.27% | 1.96% | 71.13% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Natchez Educators Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24896) · FFIEC NIC profile (RSSD 644299)
Frequently asked questions
Is Natchez Educators Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Natchez Educators Federal Credit Union's net worth ratio is 50.56%, above the 7% NCUA threshold for well capitalized.
Is Natchez Educators Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Natchez Educators Federal Credit Union is a federally insured credit union (NCUA charter 24896): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Natchez Educators Federal Credit Union's key safety ratios?
For Q2 2026, Natchez Educators Federal Credit Union reports net worth 50.56%, delinquency 1.78%, ROA -2.17%, loan-to-share 83.82%.
What happens to my money if Natchez Educators Federal Credit Union fails?
For Q2 2026, Natchez Educators Federal Credit Union held $639K in shares and deposits for 356 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.