BlastPoint's Credit Union Scorecard
NATCO EMPLOYEES
Charter #16614 · RI
2556 CUs in <100M nationally
6 in RI
NATCO EMPLOYEES has 6 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Loan Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.48% below tier average
- - Efficiency ratio 9.93% above tier (higher cost structure)
- - Total Members: Bottom 0.2% in tier
- - Total Assets: Bottom 1.2% in tier
- - Total Deposits: Bottom 1.4% in tier
- - Total Loans: Bottom 1.8% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Members Per Employee (MPE): Bottom 3.3% in tier
- - Net Interest Margin (NIM): Bottom 3.4% in tier
- - Loan-to-Share Ratio: Bottom 5.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
29
0% YoY0% QoQ
|
-2.6K |
2,615
-1.9% YoY
|
35,881
+9.1% YoY
|
33,374
+5.7% YoY
|
Bottom 0.2% in tier |
| Assets |
$202,529
+3.0% YoY+1.5% QoQ
|
$-29.9M |
$30.1M
+2.1% YoY
|
$774.2M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.1% in tier |
| Loans |
$33,522
+10.9% YoY+57.2% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$651.4M
+11.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.7% in tier |
| Deposits |
$166,145
+3.6% YoY+1.8% QoQ
|
$-25.5M |
$25.7M
+1.4% YoY
|
$643.2M
+11.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.3% in tier |
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| ROA |
0.1%
-62.4% YoY-67.3% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.5%
-9.1% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
1.9%
-10.7% YoY+3.3% QoQ
|
-2.1% |
4.0%
+4.0% YoY
|
3.0%
+1.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.3% in tier |
| Efficiency Ratio |
92.5%
+12.6% YoY+21.3% QoQ
|
+9.9% |
82.6%
-2.3% YoY
|
84.1%
+1.5% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.5%
-30.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
20.2%
+7.0% YoY+54.4% QoQ
|
-40.4% |
60.6%
-3.1% YoY
|
78.0%
+0.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.9% in tier |
| AMR |
$6,885
+4.8% YoY+8.2% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$26,466
+8.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.6% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 27.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
248
Loan Growth Rate
growth
Value:
10.86%
Peer Median: -
#248 of 2556
Top 9.7% in <100M tier
Top Weaknesses (12 metrics)
2552
Total Members
engagement
Value:
29
Peer Median: -
#2552 of 2556
Bottom 0.2% in <100M tier
2527
Total Assets
balance_sheet
Value:
$202,529
Peer Median: -
#2527 of 2556
Bottom 1.2% in <100M tier
2522
Total Deposits
balance_sheet
Value:
$166,145
Peer Median: -
#2522 of 2556
Bottom 1.4% in <100M tier
2512
Total Loans
balance_sheet
Value:
$33,522
Peer Median: -
#2512 of 2556
Bottom 1.8% in <100M tier
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2473
Members Per Employee (MPE)
engagement
Value:
14.500
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2471
Net Interest Margin (NIM)
profitability
Value:
1.88%
Peer Median: -
#2471 of 2556
Bottom 3.4% in <100M tier
2430
Loan-to-Share Ratio
balance_sheet
Value:
20.18%
Peer Median: -
#2430 of 2556
Bottom 5.0% in <100M tier
2395
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,156
Peer Median: -
#2395 of 2556
Bottom 6.3% in <100M tier
2184
Average Member Relationship (AMR)
engagement
Value:
$6,885
Peer Median: -
#2184 of 2556
Bottom 14.6% in <100M tier