Federal credit union · WEST WARWICK, Rhode Island · NCUA charter #16614
Natco Employees
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $203K
- Total assets
- 29
- Members
- 17.4%
- Net-worth ratio
Natco Employees scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $203K; members 29; net-worth ratio 17.45%; health rank #1,900 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Natco Employees vs every NCUA-scored credit union
Natco Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Natco Employees vs Under $2M peers
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 4.48% (-4.48 pp).
- Loan-to-Share Ratio trails the peer set - 20.18% here, 52.70% peer average (-32.52 pp).
Natco Employees: in-state Call Report ranks
- In Rhode Island, health place is #5 of 14 on the same NCUA-ratio sort used nationally.
- Rhode Island assets place: #14 of 14.
- Membership ranks #14 of 14 among Rhode Island CUs with a reported count (29 members).
- One place up in Rhode Island, COASTAL1 (#4) scores 86/100, 1 point higher; one place down, Community & Teachers (#6) ties at 85/100.
Quarter path for Natco Employees
Natco Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $203K (2025Q4) to $201K (2026Q1).
- Net-worth ratio shifted +0.12 pp (17.33% → 17.45%).
This credit union's 17.45% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Natco Employees gives up 15 points in total. Loan-to-Share Ratio costs the most, 7.2 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 8.0 pts
Natco Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.45% | -5.48 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.37% | +0.14 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 20.18% | -32.52 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Natco Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $201K | - |
| 2025Q4 | $203K | 29 |
| 2024Q4 | $197K | 29 |
| 2023Q4 | $196K | 30 |
Credit Union Details
- Charter Number
- 16614
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Rhode Island
- City
- WEST WARWICK
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Natco Employees.
| Office | City |
|---|---|
| Corporate Office (Main Office) | West Warwick, RI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Rhode Island
A look at other Rhode Island credit unions, ranked by how closely their peer group and asset size match this one.
- PAWTUCKET MUNICIPAL EMPLOYEESPAWTUCKET, RI · $2M–$10M94Health
- CUMBERLAND MUNICIPAL EMPLOYEESCumberland, RI · $2M–$10M79Health
- COMMUNITY & TEACHERSEast Providence, RI · $10M–$50M85Health
- BLACKSTONE RIVERWoonsocket, RI · $50M–$100M83Health
- CRANSTON MUNICIPAL EMPLOYEESCRANSTON, RI · $50M–$100M78Health
Other-state peers near Natco Employees
Similar health score
Using this data
- Natco Employees ranks #1,900 of 4,374 nationally on financial health and #5 of 14 in RI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pawtucket Municipal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pawtucket Municipal Employees
Frequently Asked Questions
Is Natco Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Natco Employees scores 85/100 (Excellent), with a 17.45% net worth ratio and 0.00% of loans delinquent. It ranks #1,900 of 4,374 nationally on health and #5 of 14 in Rhode Island.
How does Natco Employees compare to other credit unions?
Natco Employees scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (0.00% vs 4.48%). Its widest shortfall is loan-to-share ratio (20.18% vs 52.70%).
How can I join Natco Employees?
Natco Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Natco Employees directly for the exact boundaries and application steps.
Is my money safe at Natco Employees?
Natco Employees is a federal 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 Employees's net worth ratio of 17.45% 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.