BlastPoint's Credit Union Scorecard
NATCO
Charter #65208 · IN
NATCO has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.60% above tier average
- + Net Interest Margin 2.94% above tier average
- + Share Certificate Concentration (%): Top 6.4% in tier
- + Fee Income Per Member: Top 6.5% in tier
- + Loan-to-Share Ratio: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Efficiency ratio 3.49% above tier (higher cost structure)
- - Delinquency rate 0.30% above tier average
- - Average Member Relationship (AMR): Bottom 5.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Indiana.
- Shares and deposits +0.2% year over year ($128M in shares and deposits).
- Membership: 17,733 members, +1.3% vs a year ago.
- Delinquency rate 1.18%.
- Return on assets 1.46%.
- Efficiency ratio 80.22% vs a 76.73% peer average.
- Loan-to-share ratio 94.11% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,733
+1.3% YoY+3.3% QoQ
|
+2.6K |
15,168
-2.6% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
69% |
| Assets |
$153.7M
+1.4% YoY-1.1% QoQ
|
$-78.3M |
$232.0M
+0.7% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
32% |
| Loans |
$120.8M
+10.2% YoY+2.9% QoQ
|
$-25.5M |
$146.3M
+0.2% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
49% |
| Deposits |
$128.3M
+0.2% YoY-1.8% QoQ
|
$-72.4M |
$200.7M
+0.2% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
30% |
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| ROA |
1.5%
+77.2% YoY+14.0% QoQ
|
+0.6% |
0.9%
+12.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
Top 13.9% in tier |
| NIM |
6.6%
+5.7% YoY+3.1% QoQ
|
+2.9% |
3.7%
+4.5% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
Top 0.1% in tier |
| Efficiency Ratio |
80.2%
-2.1% YoY-0.2% QoQ
|
+3.5% |
76.7%
-0.8% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
58% |
| Delinquency Rate |
1.2%
-5.3% YoY+2.2% QoQ
|
+0.3 |
0.9%
+6.6% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
76% |
| Loan To Share |
94.1%
+9.9% YoY+4.8% QoQ
|
+22.6% |
71.5%
-0.3% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
Top 7.2% in tier |
| AMR |
$14,048
+3.5% YoY-2.8% QoQ
|
$-11K |
$25,107
+3.2% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.8% in tier |
| CD Concentration |
7.0%
+18.1% YoY+3.0% QoQ
|
-17.5% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.1% | 7.7% | 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 (<15%). Healthy, sustainable growth model.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)