BlastPoint's Credit Union Scorecard
NATCO EMPLOYEES
Charter #16614 · RI
<100M
2508 CUs in <100M nationally
6 in RI
NATCO EMPLOYEES has 2 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 0.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.31% above tier (higher cost structure)
- - Total Members: Bottom 0.2% in tier
- - Total Assets: Bottom 1.1% in tier
- - Total Deposits: Bottom 1.3% in tier
- - Total Loans: Bottom 1.9% in tier
- - Members Per Employee (MPE): Bottom 3.3% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Loan-to-Share Ratio: Bottom 6.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
29
0% YoY0% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
36,204
+9.0% YoY
|
33,913
+5.7% YoY
|
Bottom 0.1% in tier |
| Assets |
$201,381
+0.0% YoY-0.6% QoQ
|
$-30.0M |
$30.2M
+1.3% YoY
|
$787.6M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.1% in tier |
| Loans |
$39,241
+55.9% YoY+17.1% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$657.2M
+10.2% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.8% in tier |
| Deposits |
$165,561
+0.3% YoY-0.4% QoQ
|
$-25.6M |
$25.8M
+0.7% YoY
|
$658.7M
+12.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.2% in tier |
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| ROA |
0.1%
-89.0% YoY-23.8% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.4%
+126.0% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
2.6%
+42.1% YoY+40.8% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.0%
+2.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 10.1% in tier |
| Efficiency Ratio |
95.9%
+102.9% YoY+3.7% QoQ
|
+5.3% |
90.6%
+6.5% YoY
|
87.4%
-0.7% YoY
|
84.6%
+2.8% YoY
|
80% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.4%
-7.6% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
23.7%
+55.4% YoY+17.5% QoQ
|
-34.8% |
58.5%
-3.0% YoY
|
77.1%
+1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.6% in tier |
| AMR |
$7,062
+7.7% YoY+2.6% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$26,738
+8.0% YoY
|
$19,920
+1.6% YoY
|
15% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 27.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.6% | 7.7% | 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 (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
20
Loan Growth Rate
growth
Value:
55.92%
Peer Median: -2.36%
#20 of 2508
Top 0.8% in <100M tier
380
AMR Growth Rate
growth
Value:
7.66%
Peer Median: 1.27%
#380 of 2508
Top 15.1% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (11 metrics)
2505
Total Members
engagement
Value:
29
Peer Median: 1,918
#2505 of 2508
Bottom 0.2% in <100M tier
2481
Total Assets
balance_sheet
Value:
$201,381
Peer Median: $21.86M
#2481 of 2508
Bottom 1.1% in <100M tier
2477
Total Deposits
balance_sheet
Value:
$165,561
Peer Median: $18.77M
#2477 of 2508
Bottom 1.3% in <100M tier
2462
Total Loans
balance_sheet
Value:
$39,241
Peer Median: $9.48M
#2462 of 2508
Bottom 1.9% in <100M tier
2425
Members Per Employee (MPE)
engagement
Value:
14.500
Peer Median: 333.750
#2425 of 2508
Bottom 3.3% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2341
Loan-to-Share Ratio
balance_sheet
Value:
23.70%
Peer Median: 58.72%
#2341 of 2508
Bottom 6.7% in <100M tier
2304
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,353
Peer Median: $4,923
#2304 of 2508
Bottom 8.2% in <100M tier
2254
Net Interest Margin (NIM)
profitability
Value:
2.64%
Peer Median: 3.83%
#2254 of 2508
Bottom 10.2% in <100M tier
2130
Average Member Relationship (AMR)
engagement
Value:
$7,062
Peer Median: $13,926
#2130 of 2508
Bottom 15.1% in <100M tier