BlastPoint's Credit Union Scorecard
NATCO EMPLOYEES
Charter #16614 · RI
2596 CUs in <100M nationally
6 in RI
NATCO EMPLOYEES has 5 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 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Total Members: Bottom 0.2% in tier
- - Total Assets: Bottom 1.1% in tier
- - Total Deposits: Bottom 1.3% in tier
- - Total Loans: Bottom 1.4% in tier
- - Loan Growth Rate: Bottom 2.0% in tier
- - Loan-to-Share Ratio: Bottom 2.5% in tier
- - Net Interest Margin (NIM): Bottom 2.9% in tier
- - Members Per Employee (MPE): Bottom 3.4% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
29
0% YoY0% QoQ
|
-2.6K |
2,625
-2.2% YoY
|
35,904
+9.4% YoY
|
33,089
+6.1% YoY
|
Bottom 0.2% in tier |
| Assets |
$199,512
+0.3% YoY-1.5% QoQ
|
$-29.7M |
$29.9M
+1.1% YoY
|
$771.6M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.0% in tier |
| Loans |
$21,322
-34.1% YoY-13.4% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$651.4M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.3% in tier |
| Deposits |
$163,138
+0.7% YoY-1.8% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$641.8M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.3% in tier |
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| ROA |
0.4%
-67.5% YoY+961.8% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.5%
-21.3% YoY
|
0.7%
+273.4% YoY
|
33% |
| NIM |
1.8%
-13.3% YoY+4.6% QoQ
|
-2.1% |
3.9%
+3.8% YoY
|
2.9%
+1.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.8% in tier |
| Efficiency Ratio |
76.3%
+108.1% YoY-21.9% QoQ
|
-5.1% |
81.4%
-2.4% YoY
|
83.0%
+4.4% YoY
|
79.1%
-3.3% YoY
|
45% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.5%
-36.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
13.1%
-34.5% YoY-11.8% QoQ
|
-48.2% |
61.2%
-3.0% YoY
|
78.6%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.3% in tier |
| AMR |
$6,361
-5.1% YoY-3.3% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$26,126
+7.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.0% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
27.4%
+6.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.6%
+7.4% YoY
|
7.9%
-2.9% YoY
|
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 (5 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (12 metrics)
2591
Total Members
engagement
Value:
29
Peer Avg: -
#2591 of 2596
Bottom 0.2% in <100M tier
2569
Total Assets
balance_sheet
Value:
$199,512
Peer Avg: -
#2569 of 2596
Bottom 1.1% in <100M tier
2562
Total Deposits
balance_sheet
Value:
$163,138
Peer Avg: -
#2562 of 2596
Bottom 1.3% in <100M tier
2561
Total Loans
balance_sheet
Value:
$21,322
Peer Avg: -
#2561 of 2596
Bottom 1.4% in <100M tier
2544
Loan Growth Rate
growth
Value:
-34.05%
Peer Avg: -
#2544 of 2596
Bottom 2.0% in <100M tier
2532
Loan-to-Share Ratio
balance_sheet
Value:
13.07%
Peer Avg: -
#2532 of 2596
Bottom 2.5% in <100M tier
2523
Net Interest Margin (NIM)
profitability
Value:
1.81%
Peer Avg: -
#2523 of 2596
Bottom 2.9% in <100M tier
2508
Members Per Employee (MPE)
engagement
Value:
14.500
Peer Avg: -
#2508 of 2596
Bottom 3.4% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2472
Loan-to-Member Ratio (LMR)
engagement
Value:
$735.24
Peer Avg: -
#2472 of 2596
Bottom 4.8% in <100M tier