BlastPoint's Credit Union Scorecard
NATCO
Charter #65208 · IN
NATCO has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.55% above tier average
- + Net Interest Margin 2.80% above tier average
- + Fee Income Per Member: Top 5.1% in tier
- + Share Certificate Concentration (%): Top 6.0% in tier
- + Net Worth Ratio: Top 8.4% in tier
- + First Mortgage Concentration (%): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Efficiency ratio 2.38% above tier (higher cost structure)
- - Delinquency rate 0.38% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,160
-1.4% YoY-1.9% QoQ
|
+2.0K |
15,145
-2.5% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
67% |
| Assets |
$155.4M
+0.0% YoY+2.2% QoQ
|
$-76.3M |
$231.7M
+0.8% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
33% |
| Loans |
$117.4M
+8.7% YoY+1.6% QoQ
|
$-26.8M |
$144.1M
+0.2% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
48% |
| Deposits |
$130.7M
-1.4% YoY+2.3% QoQ
|
$-70.4M |
$201.1M
+0.4% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
30% |
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| ROA |
1.3%
+22.4% YoY-0.5% QoQ
|
+0.6% |
0.7%
+5.1% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
83% |
| NIM |
6.4%
+4.0% YoY-3.0% QoQ
|
+2.8% |
3.6%
+4.6% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Top 0.2% in tier |
| Efficiency Ratio |
80.4%
-3.9% YoY+5.3% QoQ
|
+2.4% |
78.0%
-1.7% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
57% |
| Delinquency Rate |
1.2%
+3.0% YoY+6.4% QoQ
|
+0.4 |
0.8%
+7.1% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
81% |
| Loan To Share |
89.8%
+10.2% YoY-0.6% QoQ
|
+19.4% |
70.4%
-0.4% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
Top 11.7% in tier |
| AMR |
$14,458
+4.6% YoY+3.9% QoQ
|
$-10K |
$24,918
+2.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.4% in tier |
| CD Concentration |
6.8%
+41.6% YoY+2.3% QoQ
|
-17.5% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)