BlastPoint's Credit Union Scorecard
NATCO EMPLOYEES
Charter #16614 · RI
NATCO EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan Growth Rate: Top 0.7% in tier
- + AMR Growth Rate: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Member decline: -3.4% YoY
- - Total Members: Bottom 0.2% in tier
- - Total Assets: Bottom 1.1% in tier
- - Total Deposits: Bottom 1.2% in tier
- - Total Loans: Bottom 1.7% in tier
- - Fee Income Per Member: Bottom 3.0% in tier
- - Members Per Employee (MPE): Bottom 3.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 6 that size in Rhode Island.
- Shares and deposits +2.5% year over year ($170K in shares and deposits).
- Membership: 28 members, -3.4% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.14%.
- Efficiency ratio 58.49% vs a 88.77% peer average.
- Loan-to-share ratio 23.88% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28
-3.4% YoY-3.4% QoQ
|
-2.6K |
2,585
-1.7% YoY
|
36,207
+1.5% YoY
|
34,678
+6.6% YoY
|
Bottom 0.1% in tier |
| Assets |
$207,909
+2.6% YoY+3.2% QoQ
|
$-30.1M |
$30.3M
+1.5% YoY
|
$799.8M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 1.1% in tier |
| Loans |
$40,693
+65.2% YoY+3.7% QoQ
|
$-15.4M |
$15.5M
-1.7% YoY
|
$674.3M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 1.7% in tier |
| Deposits |
$170,372
+2.5% YoY+2.9% QoQ
|
$-25.6M |
$25.8M
+1.1% YoY
|
$660.1M
+3.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 1.2% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.1%
+967.0% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
0.6%
+34.2% YoY
|
1.2%
+121.4% YoY
|
67% |
| NIM |
2.8%
+58.9% YoY+4.4% QoQ
|
-1.1% |
3.9%
+0.9% YoY
|
3.1%
+8.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 11.3% in tier |
| Efficiency Ratio |
58.5%
-40.1% YoY-39.0% QoQ
|
-30.3% |
88.8%
-6.9% YoY
|
83.1%
-1.8% YoY
|
83.0%
-5.3% YoY
|
Top 10.5% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
0.6%
-10.1% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
23.9%
+61.1% YoY+0.8% QoQ
|
-35.0% |
58.9%
-3.1% YoY
|
77.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 6.8% in tier |
| AMR |
$7,538
+14.6% YoY+6.7% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$27,022
+3.9% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 10.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)