TellerScore

Natco Credit Union (NCUA charter #65208) is based in Richmond, Indiana. Its Q2 2026 call report shows $153.7M in total assets and $128.3M in member shares and deposits and 3 offices.

Natco Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 78% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Indiana, it ranks 30th. Capital cushion contributes the most (100/100, 17.26%); loan quality contributes the least (61/100, 1.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.26%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.18%
Earnings79/100
Return on assets (annualized): 1.47%
Funding & liquidity66/100
Loans ÷ shares: 94.1% · 2.2% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.40%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (75 → 80), mostly because the earnings component improved by 26 points.

TellerScore
757880Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202477
Q4 202476
Q1 202579
Q2 202575
Q3 202580
Q4 202580
Q1 202679
Q2 202680
Net worth ratio
7.00%12.16%17.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.62%
Q3 202415.83%
Q4 202415.80%
Q1 202515.60%
Q2 202516.15%
Q3 202517.33%
Q4 202516.70%
Q1 202616.66%
Q2 202617.26%
Delinquent loans (60+ days)
1.08%1.29%1.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.18%
Q3 20241.42%
Q4 20241.50%
Q1 20251.12%
Q2 20251.24%
Q3 20251.12%
Q4 20251.08%
Q1 20261.15%
Q2 20261.18%
Return on assets
0.84%1.15%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.08%
Q3 20241.22%
Q4 20241.18%
Q1 20251.03%
Q2 20250.84%
Q3 20251.38%
Q4 20251.26%
Q1 20261.28%
Q2 20261.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$153.7M17.26%1.18%1.47%94.1%
Q1 202679$155.4M16.66%1.15%1.28%89.8%
Q4 202580$152.1M16.70%1.08%1.26%90.3%
Q3 202580$146.3M17.33%1.12%1.38%93.5%
Q2 202575$151.5M16.15%1.24%0.84%85.6%
Q1 202579$155.4M15.60%1.12%1.03%81.5%
Q4 202476$151.0M15.80%1.50%1.18%84.2%
Q3 202477$150.4M15.83%1.42%1.22%85.0%
Q2 202478$148.8M15.62%1.18%1.08%83.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.26%
93rd
Problem loans1.18%
22nd
Net charge-offs0.70%
20th
Return on assets1.47%
88th
Loans to deposits94.1%
9th
Uninsured deposits2.2%
88th
Loan-loss reserves0.00%
50th
Texas ratio5.4%
36th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Financial Builders Federal Credit UnionCredit union Kokomo, IN75 out of 100, Strong$151.5M12.5%0.85%vs
Indiana State University Federal Credit UnionCredit union Terre Haute, IN81 out of 100, Strong$139.9M13.5%0.48%vs
Members Advantage Credit UnionCredit union Michigan City, IN60 out of 100, Moderate$132.2M9.5%1.23%vs
Allegius Federal Credit UnionCredit union Burns Harbor, IN69 out of 100, Moderate$176.9M14.2%1.63%vs
Diamond Valley Federal Credit UnionCredit union Evansville, IN78 out of 100, Strong$178.8M12.9%0.72%vs
Regional Federal Credit UnionCredit union Winfield, IN68 out of 100, Moderate$180.1M13.6%1.07%vs

Deposit insurance

Is my money safe at Natco Credit Union?

Yes. Natco Credit Union is a federally insured credit union (NCUA charter #65208). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.2% of shares and deposits ($2.8M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 17.26%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Natco Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Natco Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65208
RSSD ID
321497
Primary regulator
State + NCUA
Established
1945
Headquarters
P O Box 817, Richmond, IN 47375
Employees
78

Quick answers

Natco Credit Union: common questions

Is Natco Credit Union NCUA insured?

Yes. Natco Credit Union is a federally insured credit union (NCUA charter #65208). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Natco Credit Union's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Natco Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Richmond

InstitutionScoreAssetsCapitalProblem loansCompare
Health Care Professionals Federal Credit UnionCredit union Richmond, IN96 out of 100, Very strong$41.6M18.6%0.00%vs
Members Choice Credit UnionCredit union Greenville, OH92 out of 100, Very strong$38.9M17.9%0.44%vs
Wayne County Federal Credit UnionCredit union Richmond, IN89 out of 100, Very strong$13.5M14.3%0.00%vs
Greenville National BankBank Greenville, OH86 out of 100, Very strong$641.5M13.0%0.05%vs
The Brookville Building and Savings AssociationBank Brookville, OH79 out of 100, Strong$41.2M20.0%0.00%vs
Mercer Savings BankBank Celina, OH78 out of 100, Strong$176.2M13.2%0.08%vs