BlastPoint's Credit Union Scorecard
NATCO
Charter #65208 · IN
NATCO has 10 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 29.6% in tier
- + Emerging Performer: Top 73.5% in tier
- + Organic Growth Leader: Top 75.3% in tier
- + ROA 0.53% above tier average
- + Net Interest Margin 3.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 5.6% in tier
- + Share Certificate Concentration (%): Top 6.0% in tier
- + Net Worth Ratio: Top 8.4% in tier
- + First Mortgage Concentration (%): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 88.5% in tier
- - Liquidity Overhang: Bottom 93.3% in tier
- - Deposit Outflow: Bottom 95.6% in tier
- - Delinquency rate 0.19% above tier average
- - Net Charge-Off Rate: Bottom 4.4% in tier
- - Average Member Relationship (AMR): Bottom 6.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,485
+1.3% YoY-0.2% QoQ
|
+2.0K |
15,437
-2.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$152.1M
+0.8% YoY+4.0% QoQ
|
$-79.8M |
$231.9M
+1.3% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$115.5M
+6.3% YoY+1.6% QoQ
|
$-31.9M |
$147.3M
-0.1% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
45% |
| Deposits |
$127.8M
-0.9% YoY+5.1% QoQ
|
$-73.0M |
$200.8M
+0.8% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
1.3%
+8.8% YoY-4.8% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
6.6%
+6.9% YoY+0.7% QoQ
|
+3.0% |
3.6%
+6.7% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Top 0.1% in tier |
| Efficiency Ratio |
76.4%
+2.2% YoY-1.3% QoQ
|
-0.7% |
77.0%
-3.1% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
1.1%
-28.0% YoY-3.6% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
90.3%
+7.3% YoY-3.3% QoQ
|
+18.1% |
72.2%
-1.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 13.5% in tier |
| AMR |
$13,916
+1.0% YoY+3.6% QoQ
|
$-11K |
$24,676
+3.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.1% in tier |
| CD Concentration |
6.7%
+40.3% YoY+2.5% QoQ
|
-17.8% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)