PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Natco Employees

West Warwick, RI · Charter 16614

NCUA · 1 branch

Q2 2026

$208KAssets
$41KLoans
$170KShares
$36KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.13%, up 109 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 17.44%, up 24 bps from a year ago.
  • Funding: loans stand at 23.88% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.13%+109 bps YoY

Net Interest Margin (quarter, annualized)

2.71%+98 bps YoY

Efficiency Ratio (quarter, annualized)

58.49%-3,917 bps YoY

Net Worth / Assets

17.44%+24 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.04%0.43%0.14%0.11%1.13%+109 bps
Return on Equity0.24%2.44%0.81%0.61%6.46%+622 bps
Net Interest Margin1.73%1.83%1.86%2.64%2.71%+98 bps
Efficiency Ratio97.66%76.25%92.49%95.94%58.49%-3,917 bps
Growth
Asset Growth (YoY)5.28%0.32%3.00%0.00%2.60%-268 bps
Loan Growth (YoY)-26.51%-34.05%10.86%55.92%65.22%+9,173 bps
Share Growth (YoY)6.62%0.72%3.62%0.30%2.52%-409 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.73%4.31%2.74%2.34%2.26%-147 bps
Capital
Risk-Based Capital17.20%17.77%17.33%17.45%17.44%+24 bps
Net Worth / Assets17.20%17.77%17.33%17.45%17.44%+24 bps
Liquidity & Funding
Loans / Shares14.82%13.07%20.18%23.70%23.88%+906 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps