TellerScore

Headquartered in West Warwick, Rhode Island, Natco Employees Federal Credit Union is a federal credit union with $208K in total assets and $170K in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1965.

Based on its Q2 2026 filing, Natco Employees Federal Credit Union scores 93/100, which we describe as very strong. That is higher than 94% of 2,479 credit unions with under $100 million in assets. Among 14 credit unions headquartered in Rhode Island, it ranks 1st. Its strongest component is capital cushion (100/100; 17.44%), and its lowest is earnings (65/100; 1.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.44%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings65/100
Return on assets (annualized): 1.13%
Funding & liquidity100/100
Loans ÷ shares: 23.9% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 9 points (84 → 93), mostly because the earnings component improved by 43 points.

TellerScore
848994Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202494
Q4 202487
Q1 202592
Q2 202584
Q3 202587
Q4 202585
Q1 202685
Q2 202693
Net worth ratio
7.00%12.66%18.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.33%
Q3 202418.11%
Q4 202417.70%
Q1 202517.53%
Q2 202517.20%
Q3 202517.77%
Q4 202517.33%
Q1 202617.45%
Q2 202617.44%
Delinquent loans (60+ days)
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.04%0.67%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.27%
Q3 20241.30%
Q4 20240.38%
Q1 20250.97%
Q2 20250.04%
Q3 20250.43%
Q4 20250.14%
Q1 20260.11%
Q2 20261.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$208K17.44%0.00%1.13%23.9%
Q1 202685$201K17.45%0.00%0.11%23.7%
Q4 202585$203K17.33%0.00%0.14%20.2%
Q3 202587$200K17.77%0.00%0.43%13.1%
Q2 202584$203K17.20%0.00%0.04%14.8%
Q1 202592$201K17.53%0.00%0.97%15.2%
Q4 202487$197K17.70%0.00%0.38%18.9%
Q3 202494$199K18.11%0.00%1.30%20.0%
Q2 202494$192K18.33%0.00%1.27%21.5%

2,479 peers · Under $100 million in assets

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 ratio17.44%
67th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets1.13%
73rd
Loans to deposits23.9%
93rd
Uninsured deposits0.0%
81st
Loan-loss reserves2.26%
91st
Texas ratio0.0%
93rd

Similar-size credit unions in Rhode Island

InstitutionScoreAssetsCapitalProblem loansCompare
Pawtucket Municipal Employees Federal Credit UnionCredit union Pawtucket, RI76 out of 100, Strong$6.2M13.4%0.60%vs
Cumberland Municipal Employees Federal Credit UnionCredit union Cumberland, RI78 out of 100, Strong$9.2M19.3%0.95%vs
Community & Teachers Federal Credit UnionCredit union East Providence, RI70 out of 100, Strong$30.3M11.6%0.79%vs
Blackstone River Federal Credit UnionCredit union Woonsocket, RI72 out of 100, Strong$75.1M11.4%1.12%vs
Cranston Municipal Employees Credit UnionCredit union Cranston, RI75 out of 100, Strong$79.8M18.5%0.21%vs

Deposit insurance

Is my money safe at Natco Employees Federal Credit Union?

Yes. Natco Employees Federal Credit Union is a federally insured credit union (NCUA charter #16614). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.44%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Natco Employees Federal Credit Union lists 1 office in 1 city. Most locations:

  • West Warwick, RI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Natco Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
16614
RSSD ID
894889
Primary regulator
NCUA
Established
1965
Headquarters
155 Brookside Ave, West Warwick, RI 02893
Employees
2

Quick answers

Natco Employees Federal Credit Union: common questions

Is Natco Employees Federal Credit Union NCUA insured?

Yes. Natco Employees Federal Credit Union is a federally insured credit union (NCUA charter #16614). 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 Employees Federal Credit Union's TellerScore?

93 out of 100 (Very 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 Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near West Warwick

InstitutionScoreAssetsCapitalProblem loansCompare
Attleboro M E Federal Credit UnionCredit union Attleboro, MA90 out of 100, Very strong$24.6M13.7%0.13%vs
Charter Oak Federal Credit UnionCredit union Waterford, CT85 out of 100, Very strong$1.7B12.5%0.50%vs
Chelsea Groton BankBank Groton, CT82 out of 100, Strong$1.8B16.7%0.48%vs
Somerset Federal Credit UnionCredit union Somerset, MA78 out of 100, Strong$263.3M12.5%0.19%vs
Cumberland Municipal Employees Federal Credit UnionCredit union Cumberland, RI78 out of 100, Strong$9.2M19.3%0.95%vs
Mechanics Cooperative BankBank Taunton, MA77 out of 100, Strong$898.8M12.4%0.03%vs