Federal credit union · WEST WARWICK, Rhode Island · NCUA charter #16614
Natco Employees
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $203K
- Total assets
- 29
- Members
- 12.2%
- Net-worth ratio
Natco Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #16614, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Natco Employees - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)87
- Member growth60
- Liquidity (loan-to-share)52
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.23% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.23% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.37% | 15% |
| Member Growth | 0.00% | 15% |
| Loan-to-Share Ratio | 20.18% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Natco Employees
Headquartered in WEST WARWICK, Rhode Island, Natco Employees is a federal credit union with 29 members, $203K in total assets, and $34K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 85/100 (Excellent), driven in part by a net worth ratio of 12.23% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #16614 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 20.18% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.37% on net income of $741 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.00%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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–$10M68Health
- CUMBERLAND MUNICIPAL EMPLOYEESCumberland, RI · $2M–$10M60Health
- COMMUNITY & TEACHERSEast Providence, RI · $10M–$50M85Health
- BLACKSTONE RIVERWoonsocket, RI · $50M–$100M83Health
- CRANSTON MUNICIPAL EMPLOYEESCRANSTON, RI · $50M–$100M78Health
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Natco Employees financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - Natco Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.23% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Natco Employees compare to other credit unions?
Natco Employees scores 85/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Natco Employees are 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 12.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Natco Employees offer compared to banks?
Credit unions like Natco Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Natco Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.