| Metric | Natco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.1% | -2.7 pts |
| Share growth (YoY) | +0.2% | +3.5% | -3.3 pts |
| Loan growth (YoY) | +10.2% | +2.9% | +7.3 pts |
| ROA | 1.47% | 0.74% | +0.7 pts |
| ROE | 8.5% | 6.5% | +2.0 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $153.7M | $128.3M | $120.8M | $26.5M | $1.1M | 1.47% | 6.67% | 1.18% | 17,733 |
| Q1 2026 | $155.4M | $130.7M | $117.4M | $25.9M | $498K | 1.28% | 6.43% | 1.15% | 17,160 |
| Q4 2025 | $152.1M | $127.8M | $115.5M | $25.4M | $1.9M | 1.26% | 6.50% | 1.08% | 17,485 |
| Q3 2025 | $146.3M | $121.6M | $113.7M | $25.4M | $1.5M | 1.38% | 6.70% | 1.12% | 17,518 |
| Q2 2025 | $151.5M | $128.0M | $109.6M | $24.5M | $633K | 0.84% | 6.35% | 1.24% | 17,511 |
| Q1 2025 | $155.4M | $132.5M | $108.0M | $24.3M | $401K | 1.03% | 6.10% | 1.12% | 17,399 |
| Q4 2024 | $151.0M | $129.0M | $108.6M | $23.9M | $1.8M | 1.18% | 6.19% | 1.50% | 17,253 |
| Q3 2024 | $150.4M | $128.4M | $109.1M | $24.0M | $1.4M | 1.22% | 6.19% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Natco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 0.74% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 6.5% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.67% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.42% |
| 17,390 |
| Q2 2024 | $148.8M | $128.4M | $107.2M | $23.4M | $802K | 1.08% | 6.21% | 1.18% | 17,329 |
Loan mix (Q2 2026): real estate $24.5M · commercial $216K · consumer $85.8M · securities $20.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 77.5% | 58th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Natco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Natco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Natco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Natco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Natco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Wayne, IN, ranked 9th with 3.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wayne, IN | 2 | $85.6M* | 3.05% | 9th |
| Fayette, IN | 1 | $42.8M* | 6.51% | 6th |
Indiana: 145th with 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3