NATCO
Charter #65208 · RICHMOND, IN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.66% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.30% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 6.50% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.15% sits at the 80th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 51st — a 24-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | NATCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $155.44M | 33th pct | 38th pct |
| Members | 17,160 | 67th pct | 52th pct |
| Net worth ratio | 16.66% | 92th pct | 89th pct |
| Return on average assets | 1.30% | 83th pct | 82th pct |
| Net interest margin | 6.50% | 100th pct | 98th pct |
| Cost of funds | 0.74% | 27th pct | 33th pct |
| Loan-to-share | 89.80% | 88th pct | 84th pct |
| Delinquency 60+ days | 1.15% | 82th pct | 80th pct |
| Net charge-off ratio | 0.64% | 74th pct | 51th pct |
| Loan growth YoY | 3.28% | 77th pct | 69th pct |
| Share growth YoY | 7.49% | 90th pct | 87th pct |
| Efficiency ratio | 80.40% | 57th pct | 70th pct |
structural peer set hash: ff3647c1d025ecba2ab9c62f825d431d… (reproducible)
Closest structural peers
This is the free public view
Claim NATCO
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.