Natco
Richmond, IN · Charter 65208 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$153.7MAssets
$120.8MLoans
$128.3MShares
$26.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 99% of credit unions under $1B in assets (rank 17 of 1683).
- Widest gap: nonperforming loans / loans trails 72% of credit unions under $1B in assets (rank 1216 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.47%
Rank 258 of 1,683
Net Interest Margin
6.67%
Rank 17 of 1,683
Efficiency Ratio
80.22%
Rank 946 of 1,682
Equity / Assets
17.26%
Rank 377 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.47% | 0.35% | 0.74% | 1.18% | Beats 85% | 258 / 1,683 | | |
| Return on Equity | 8.52% | 2.67% | 5.89% | 8.74% | Beats 73% | 446 / 1,681 | | |
| Net Interest Margin | 6.67% | 3.31% | 3.82% | 4.32% | Beats 99% | 17 / 1,683 | | |
| Efficiency Ratio | 80.22% | 68.91% | 78.20% | 86.93% | Beats 44% | 946 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.18% | 0.26% | 0.65% | 1.29% | Beats 28% | 1,216 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.26% | 10.44% | 12.89% | 16.53% | Beats 78% | 377 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.26% | 10.44% | 12.89% | 16.53% | Beats 78% | 377 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.11% | 52.61% | 69.38% | 83.50% | 92nd pctl | 132 / 1,683 | | |
| Loans / Assets | 78.60% | 44.71% | 59.18% | 70.72% | 89th pctl | 177 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |