Natco Employees West Warwick, RI · Charter 16614 · Peer group: credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25)
NCUA · 1 branch
Q2 2026
$208K Assets
$41K Loans
$170K Shares
$36K Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Providence-Warwick, RI-MA area (rank 2 of 25). Widest gap: net interest margin trails 68% of credit unions under $1B in assets in the Providence-Warwick, RI-MA area (rank 17 of 25). Overall: at or above the peer median on 6 of 7 directional measures. Return on Assets
0.96%
Rank 7 of 25
Net Interest Margin
2.88%
Rank 17 of 25
Efficiency Ratio
66.67%
Rank 3 of 25
Equity / Assets
17.31%
Rank 3 of 25
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 0.96% 0.39% 0.58% 0.96% Beats 72% 7 / 25 Return on Equity 5.56% 3.08% 5.38% 8.04% Beats 56% 11 / 25 Net Interest Margin 2.88% 2.78% 3.19% 3.68% Beats 32% 17 / 25 Efficiency Ratio 66.67% 74.87% 81.63% 89.25% Beats 92% 3 / 25 Asset Quality Nonperforming Loans / Loans 0.00% 0.21% 0.48% 0.93% Beats 100% 2 / 25 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 17.31% 9.94% 11.40% 12.51% Beats 88% 3 / 25 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 17.31% 9.94% 11.40% 12.51% Beats 88% 3 / 25 Liquidity & Funding Loans / Deposits 24.12% 54.80% 74.79% 86.25% 4th pctl 24 / 25 Loans / Assets 19.71% 49.28% 61.62% 76.11% 4th pctl 24 / 25 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Providence-Warwick, RI-MA area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11