State credit union · RICHMOND, Indiana · NCUA charter #65208
NATCO
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $152.1M
- Total assets
- 17,485
- Members
- 16.7%
- Net-worth ratio
NATCO scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $152.1M; members 17,485; net-worth ratio 16.66%; health rank #1,052 of 4,374; healthier than 73rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,052 of 4,374 health · 2025Q4NATCO · health 90/100 · $152.1M · 2025Q4
Call Report peers
NATCO in the assets neighbourhood
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NATCO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); NATCO sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for NATCO
- Largest favorable gap: Loan-to-Share Ratio at 90.35% vs peer 72.20% (+18.15 pp).
- Largest lag: Delinquency Rate at 1.08% vs peer 0.89% (+0.19 pp).
Indiana standing for NATCO
- In Indiana, health place is #26 of 124 on the same NCUA-ratio sort used nationally.
- Indiana assets place: #35 of 124.
- Indiana membership ordinal: #30 of 124.
- One place up in Indiana, Elements Financial (#25) scores 91/100, 1 point higher; one place down, Energy Plus (#27) ties at 90/100.
Quarter path for NATCO
NATCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $152.1M (2025Q4) to $155.4M (2026Q1).
- Net-worth ratio shifted -0.04 pp (16.70% → 16.66%).
This credit union's 16.66% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
NATCO gives up 10 points in total. Delinquency Rate costs the most, 5.6 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.4 pts
- Return on Assets 15.0 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.66% | +4.55 pp |
| Delinquency Rate | 1.08% | +0.19 pp |
| Return on Assets | 1.17% | +0.55 pp |
| Member Growth | 1.34% | - |
| Loan-to-Share Ratio | 90.35% | +18.15 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $155.4M | - |
| 2025Q4 | $152.1M | 17,485 |
| 2024Q4 | $151.0M | 17,253 |
| 2023Q4 | $148.5M | 17,054 |
Credit Union Details
- Charter Number
- 65208
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Indiana
- City
- RICHMOND
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for NATCO, spread across 2 cities.
| Office | City |
|---|---|
| Main (Main Office) | RICHMOND, IN |
| Connersville Branch | CONNERSVILLE, IN |
| East Branch | RICHMOND, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Cross-state Call Report peers for NATCO
Similar total assets
Using this data
- NATCO ranks #1,052 of 4,374 nationally on financial health and #26 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Financial Builders is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Financial Builders
Frequently Asked Questions
Is NATCO financially healthy?
On its 2025Q4 NCUA 5300 filing, NATCO scores 90/100 (Excellent), with a 16.66% net worth ratio and 1.08% of loans delinquent. It ranks #1,052 of 4,374 nationally on health and #26 of 124 in Indiana.
How does NATCO compare to other credit unions?
NATCO scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (90.35% vs 72.20%). Its widest shortfall is delinquency rate (1.08% vs 0.89%).
How can I join NATCO?
Membership eligibility for NATCO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact NATCO directly for current membership requirements and application steps.
Is my money safe at NATCO?
NATCO is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. NATCO's net worth ratio of 16.66% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.