Natco

RICHMOND, IN · 2 · Charter #65208 · www.natcocu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$152.1M
73th percentile
Members
17,485
95th percentile
Total loans
$115.5M
84th percentile
Total shares
$127.8M
72th percentile

Profitability

Return on assets
2.35%
97th percentile
Net interest margin
6.50%
100th percentile
Efficiency ratio
71.04%
24th percentile
Non-interest income ratio
32.05%
95th percentile

Capital & Risk

Net worth ratio
16.70%
85th percentile
Delinquency rate
1.08%
30th percentile
Net charge-off rate
1.57%
4th percentile
Loan-to-share
90.35%
87th percentile

Growth

Member growth YoY
1.34%
73th percentile
Asset growth YoY
0.77%
25th percentile
Loan growth YoY
6.34%
76th percentile
Share growth YoY
6.28%
73th percentile

Operations

Members / branch
5,828
89th percentile
Assets / member
$8,700
6th percentile
Field of membership penetration
8.33%
55th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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