NATCO

Charter #65208 | IN

100M-500M (1077 CUs) Micro
19 100M-500M in IN

NATCO has 11 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 7.4% in tier
  • + Organic Growth Engine: Top 17.0% in tier
  • + Organic Growth Leader: Top 30.3% in tier
  • + ROA 0.57% above tier average
  • + Net Interest Margin 3.00% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 5.7% in tier
  • + Share Certificate Concentration (%): Top 5.7% in tier
  • + Net Worth Ratio: Top 6.3% in tier
  • + First Mortgage Concentration (%): Top 8.2% in tier
  • + Loan-to-Share Ratio: Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 4.6% in tier
  • - Deposit Outflow: Bottom 6.3% in tier
  • - Shrinking Wallet Share: Bottom 17.2% in tier
  • - Liquidity Overhang: Bottom 18.7% in tier
  • - Liquidity Strain: Bottom 21.3% in tier
  • - Efficiency ratio 0.13% above tier (higher cost structure)
  • - Delinquency rate 0.26% above tier average
  • - Deposit Growth Rate: Bottom 3.1% in tier
  • - Net Charge-Off Rate: Bottom 3.1% in tier
  • - Average Member Relationship (AMR): Bottom 5.0% in tier
  • - Asset Growth Rate: Bottom 7.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 17,518
+0.7% YoY+0.0% QoQ
 +1.9K 15,628
-3.4% YoY
 22,637
+3.1% YoY
 33,089
+6.1% YoY
 66th in tier
Assets $146.3M
-2.7% YoY-3.5% QoQ
 $-85.0M $231.3M
-0.0% YoY
 $383.9M
+8.8% YoY
 $547.7M
+7.8% YoY
 29th in tier
Loans $113.7M
+4.2% YoY+3.7% QoQ
 $-34.1M $147.8M
-1.4% YoY
 $276.9M
+7.4% YoY
 $388.7M
+8.6% YoY
 44th in tier
Deposits $121.6M
-5.3% YoY-5.0% QoQ
 $-78.7M $200.3M
-0.0% YoY
 $323.0M
+10.5% YoY
 $464.6M
+9.3% YoY
 26th in tier
ROA 1.4%
+10.7% YoY+64.2% QoQ
 +0.6% 0.8%
+15.5% YoY
 0.9%
+24.5% YoY
 0.7%
+273.4% YoY
 Top 15.9% in tier
NIM 6.6%
+5.8% YoY+5.1% QoQ
 +3.0% 3.6%
+6.9% YoY
 3.8%
+8.0% YoY
 3.7%
+5.0% YoY
 Top 0.2% in tier
Efficiency Ratio 77.4%
+3.6% YoY-5.5% QoQ
 +0.1% 77.3%
-3.0% YoY
 77.7%
-3.5% YoY
 79.1%
-3.3% YoY
 51st in tier
Delinquency Rate 1.1%
-20.8% YoY-9.7% QoQ
 +0.3 0.9%
+7.6% YoY
 1.3%
+19.3% YoY
 1.2%
-0.9% YoY
 Top 24.5% in tier
Loan To Share 93.5%
+10.0% YoY+9.2% QoQ
 +20.8% 72.7%
-1.5% YoY
 69.6%
-2.1% YoY
 68.0%
-1.7% YoY
 Top 9.9% in tier
AMR $13,430
-1.7% YoY-1.0% QoQ
 $-11K $24,363
+2.9% YoY
 $18,326
+4.3% YoY
 $19,418
+1.3% YoY
 Bottom 4.9% in tier
CD Concentration 6.5%
+42.0% YoY+9.5% QoQ
 -17.9% 24.4%
+4.2% YoY
 19.0%
+9.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 11.0%
-3.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#139 of 627 • Top 7.4% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.35%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 0.74%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#313 of 603 • Top 17.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.74%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.35%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth
#400 of 430 • Top 30.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.74%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (5)

Capital Constraint

risk
#5 of 18 • Bottom 4.6% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature
Loan-to-Share Ratio: 93.46%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -5.27%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 17.33%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
18 of 1077 Community CUs have this signature | 29 nationally
↓ Shrinking -33 CUs YoY | New qualifier

Deposit Outflow

decline
#38 of 114 • Bottom 6.3% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -5.27%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $146.30M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#172 of 244 • Bottom 17.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.67%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Liquidity Overhang

risk
#290 of 552 • Bottom 18.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 17.33%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 93.46%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Liquidity Strain

risk
#166 of 258 • Bottom 21.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.46%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 4.15%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

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)

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
2
Net Interest Margin (NIM)
profitability
Value: 6.59%
Peer Avg: 3.58%
#2 of 1077 Top 0.1% in 100M-500M tier
62
Fee Income Per Member
profitability
Value: $296.04
Peer Avg: $174.31
#62 of 1077 Top 5.7% in 100M-500M tier
62
Share Certificate Concentration (%)
balance_sheet
Value: 6.50%
Peer Avg: 23.61%
#62 of 1077 Top 5.7% in 100M-500M tier
69
Net Worth Ratio
risk
Value: 17.33%
Peer Avg: 12.15%
#69 of 1077 Top 6.3% in 100M-500M tier
89
First Mortgage Concentration (%)
balance_sheet
Value: 6.70%
Peer Avg: 30.43%
#89 of 1077 Top 8.2% in 100M-500M tier
107
Loan-to-Share Ratio
balance_sheet
Value: 93.46%
Peer Avg: 72.70%
#107 of 1077 Top 9.8% in 100M-500M tier
171
Return on Assets (ROA)
profitability
Value: 1.35%
Peer Avg: 0.79%
#171 of 1077 Top 15.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1045
Deposit Growth Rate
growth
Value: -5.27%
Peer Avg: 4.69%
#1045 of 1077 Bottom 3.1% in 100M-500M tier
1045
Net Charge-Off Rate
risk
Value: 1.62%
Peer Avg: 0.47%
#1045 of 1077 Bottom 3.1% in 100M-500M tier
1024
Average Member Relationship (AMR)
engagement
Value: $13,430
Peer Avg: $24,363
#1024 of 1077 Bottom 5.0% in 100M-500M tier
997
Asset Growth Rate
growth
Value: -2.73%
Peer Avg: 4.70%
#997 of 1077 Bottom 7.5% in 100M-500M tier
945
Members Per Employee (MPE)
engagement
Value: 233.573
Peer Avg: 332.881
#945 of 1077 Bottom 12.3% in 100M-500M tier
938
AMR Growth Rate
growth
Value: -1.67%
Peer Avg: 3.64%
#938 of 1077 Bottom 13.0% in 100M-500M tier
885
Loan-to-Member Ratio (LMR)
engagement
Value: $6,488
Peer Avg: $10,245
#885 of 1077 Bottom 17.9% in 100M-500M tier
814
Total Delinquency Rate (60+ days)
risk
Value: 1.12%
Peer Avg: 0.86%
#814 of 1077 Bottom 24.5% in 100M-500M tier