BlastPoint's Credit Union Scorecard

NATCO

Charter #65208 · IN

1077 CUs in 100M-500M nationally 19 in IN

NATCO has 11 strengths but faces 11 concerns

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 17.0% in tier
+ Organic Growth Leader: Top 30.3% in tier
+ Profitability Leader: Top 59.6% 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
- Shrinking Wallet Share: Bottom 17.2% in tier
- Liquidity Strain: Bottom 21.3% in tier
- Deposit Outflow: Bottom 42.5% in tier
- Liquidity Overhang: Bottom 85.7% 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	66%
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	29%
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	44%
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	26%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	84%
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	51%
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	76%
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	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	11.0% -3.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

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: 13.97%, 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 (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.74%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Profitability Leader

growth

#203 of 340 • Top 59.6% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.35%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.13% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

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

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 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: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Deposit Outflow

decline

#35 of 81 • Bottom 42.5% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money 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

Member Growth (YoY): 0.74%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | Rank improving

Liquidity Overhang

risk

#115 of 134 • Bottom 85.7% 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

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 6.59%

Peer Avg: -

#2 of 1077 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $296.04

Peer Avg: -

#62 of 1077 Top 5.7% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 6.50%

Peer Avg: -

#62 of 1077 Top 5.7% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.33%

Peer Avg: -

#69 of 1077 Top 6.3% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 6.70%

Peer Avg: -

#89 of 1077 Top 8.2% in 100M-500M tier

107

Loan-to-Share Ratio

balance_sheet

Value: 93.46%

Peer Avg: -

#107 of 1077 Top 9.8% in 100M-500M tier

171

Return on Assets (ROA)

profitability

Value: 1.35%

Peer Avg: -

#171 of 1077 Top 15.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1045

Deposit Growth Rate

growth

Value: -5.27%

Peer Avg: -

#1045 of 1077 Bottom 3.1% in 100M-500M tier

1045

Net Charge-Off Rate

risk

Value: 1.62%

Peer Avg: -

#1045 of 1077 Bottom 3.1% in 100M-500M tier

1024

Average Member Relationship (AMR)

engagement

Value: $13,430

Peer Avg: -

#1024 of 1077 Bottom 5.0% in 100M-500M tier

997

Asset Growth Rate

growth

Value: -2.73%

Peer Avg: -

#997 of 1077 Bottom 7.5% in 100M-500M tier

945

Members Per Employee (MPE)

engagement

Value: 233.573

Peer Avg: -

#945 of 1077 Bottom 12.3% in 100M-500M tier

938

AMR Growth Rate

growth

Value: -1.67%

Peer Avg: -

#938 of 1077 Bottom 13.0% in 100M-500M tier

885

Loan-to-Member Ratio (LMR)

engagement

Value: $6,488

Peer Avg: -

#885 of 1077 Bottom 17.9% in 100M-500M tier

814

Total Delinquency Rate (60+ days)

risk

Value: 1.12%

Peer Avg: -

#814 of 1077 Bottom 24.5% in 100M-500M tier