Credit Union Safety Analysis
Is Natco Credit Union Safe? Richmond, Indiana
Based on its Q2 2026 NCUA 5300 call report, Natco Credit Union has a net worth ratio of 17.26%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.18%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Natco Credit Union's net worth ratio is 17.26%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.26%
- Delinquency ratio (60+ days) (Q2 2026): 1.18%
- Return on assets (Q2 2026): 1.64%
- Loan-to-share ratio (Q2 2026): 94.11%
Natco Credit Union (NCUA charter 65208, established 1945) reported $153.7M in assets and 17,733 members for Q2 2026 from Richmond, Indiana. It ranks 35 of 118 credit unions in Indiana by total assets. Total assets grew 1.4% from $151.5M on June 30, 2025. It has 222 more members than on June 30, 2025 (+1.3%). Its net worth ratio was up 1.11 percentage points from 16.15% on June 30, 2025. Used vehicle loans are its largest loan category, $55.7M of $120.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.18% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 16.66% for Q1 2026; 16.15% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.15% for Q1 2026; 1.24% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.28% for Q1 2026; 0.61% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 89.80% for Q1 2026; 85.62% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $55.7M
- 1- to 4-family residential and other consumer real estate loans: $24.5M
- Other unsecured loans and lines of credit: $16.6M
- Other secured non-real estate loans and lines of credit: $10.3M
- New vehicle loans: $7.4M
- Unsecured credit card loans: $6.1M
- Commercial loans: $216K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $153.7M | 17.26% | 1.18% | 1.64% | 94.11% |
| March 31, 2026 | $155.4M | 16.66% | 1.15% | 1.28% | 89.80% |
| December 31, 2025 | $152.1M | 16.70% | 1.08% | 1.08% | 90.35% |
| September 30, 2025 | $146.3M | 17.33% | 1.12% | 2.41% | 93.46% |
| June 30, 2025 | $151.5M | 16.15% | 1.24% | 0.61% | 85.62% |
| March 31, 2025 | $155.4M | 15.60% | 1.12% | 1.03% | 81.52% |
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Free to use. It shows Natco Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 65208) · FFIEC NIC profile (RSSD 321497)
Frequently asked questions
Is Natco Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Natco Credit Union's net worth ratio is 17.26%, above the 7% NCUA threshold for well capitalized.
Is Natco Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Natco Credit Union is a federally insured credit union (NCUA charter 65208): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Natco Credit Union's key safety ratios?
For Q2 2026, Natco Credit Union reports net worth 17.26%, delinquency 1.18%, ROA 1.64%, loan-to-share 94.11%.
What happens to my money if Natco Credit Union fails?
For Q2 2026, Natco Credit Union held $128.3M in shares and deposits for 17,733 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.