TellerScore

Natchez Educators Federal Credit Union is a federal credit union headquartered in Natchez, Mississippi, in business for about 65 years. At the end of Q2 2026 it reported $1.3M in total assets and $639K in member shares and deposits.

Natchez Educators Federal Credit Union has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 23% of its 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 39th. Capital cushion contributes the most (100/100, 50.56%); earnings contributes the least (0/100, -0.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 50.56%
Loan quality41/100
Loans 60+ days delinquent ÷ total loans: 1.78%
Earnings0/100
Return on assets (annualized): -0.85%
Funding & liquidity76/100
Loans ÷ shares: 83.8% · 0.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.43%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 21 points (82 → 61), mostly because the loan quality component weakened by 51 points.

TellerScore
617996Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202491
Q4 202492
Q1 202596
Q2 202582
Q3 202581
Q4 202582
Q1 202680
Q2 202661
Net worth ratio
7.00%29.07%51.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202450.07%
Q3 202449.11%
Q4 202449.73%
Q1 202550.65%
Q2 202551.13%
Q3 202550.01%
Q4 202549.29%
Q1 202649.75%
Q2 202650.56%
Delinquent loans (60+ days)
0.25%1.01%1.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.73%
Q3 20240.76%
Q4 20240.47%
Q1 20250.27%
Q2 20250.25%
Q3 20250.68%
Q4 20250.66%
Q1 20260.80%
Q2 20261.78%
Return on assets
-0.85%0.96%2.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.49%
Q3 20242.20%
Q4 20242.78%
Q1 20251.96%
Q2 20250.55%
Q3 20250.83%
Q4 20250.89%
Q1 20260.45%
Q2 2026-0.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$1.3M50.56%1.78%-0.85%83.8%
Q1 202680$1.3M49.75%0.80%0.45%67.3%
Q4 202582$1.4M49.29%0.66%0.89%81.6%
Q3 202581$1.3M50.01%0.68%0.83%88.0%
Q2 202582$1.3M51.13%0.25%0.55%87.5%
Q1 202596$1.3M50.65%0.27%1.96%71.1%
Q4 202492$1.3M49.73%0.47%2.78%86.4%
Q3 202491$1.3M49.11%0.76%2.20%80.3%
Q2 202489$1.3M50.07%0.73%2.49%93.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio50.56%
99th
Problem loans1.78%
24th
Net charge-offs2.86%
3rd
Return on assets-0.85%
8th
Loans to deposits83.8%
15th
Uninsured deposits0.0%
81st
Loan-loss reserves0.72%
80th
Texas ratio1.4%
59th

Similar-size credit unions in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
Issaquena County Federal Credit UnionCredit union Mayersville, MS69 out of 100, Moderate$870K14.2%8.94%vs
Citizens Choice Federal Credit UnionCredit union Natchez, MS25 out of 100, Low$679K-0.7%5.66%vs
Pearl Municipal Federal Credit UnionCredit union Pearl, MS74 out of 100, Strong$2.0M26.4%0.84%vs
Mississippi College Employees Federal Credit UnionCredit union Clinton, MS61 out of 100, Moderate$2.1M25.4%7.53%vs
Choctaw Federal Credit UnionCredit union Choctaw, MS55 out of 100, Moderate$2.8M25.9%2.49%vs
Muw Federal Credit UnionCredit union Columbus, MS43 out of 100, Below average$4.4M9.6%3.49%vs

Deposit insurance

Is my money safe at Natchez Educators Federal Credit Union?

Yes. Natchez Educators Federal Credit Union is a federally insured credit union (NCUA charter #24896). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 50.56%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Natchez Educators Federal Credit Union
Type
Federal credit union
NCUA charter #
24896
RSSD ID
644299
Primary regulator
NCUA
Established
1961
Headquarters
P. O. Box 774, Natchez, MS 39121
Employees
2

Quick answers

Natchez Educators Federal Credit Union: common questions

Is Natchez Educators Federal Credit Union NCUA insured?

Yes. Natchez Educators Federal Credit Union is a federally insured credit union (NCUA charter #24896). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Natchez Educators Federal Credit Union's TellerScore?

61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.