Natco Credit Union

Natco Credit Union is headquartered in Richmond and is the 56^th largest credit union in the state of Indiana. It is also the 2,188^th largest credit union in the nation. It was established in 1945 and as of December of 2011, it had grown to 31 employees and 13,910 members. Natco Credit Union's savings rates are 4X the national average, and it boasts a 5-star health rating.

Natco Credit Union Routing Number: 274975660

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Data for Q4 2011

Institution Statistics NATCO NCUA # 65208 BankRate Report View Year Chartered 1945 Employees 31 Primary Regulator Assets and Liabilities Assets $52.43 million Loans $35.70 million Deposits $44.96 million Equity Capital $7.32 million Loan Loss Allowance $438,000 Unbacked Noncurrent Loans $422,000 Historic Data - December 2010 Assets $48.22 million Equity Capital $7.09 million Loan Loss Allowance $452,000 Unbacked Noncurrent Loans $276,000 Real Estate Owned $28,000 Profit Margin - Quarterly Net Interest Margin 7.92% Return on Assets 0.62% Return on Equity 4.41% Interest Income $3.21 million Non-Interest Income $1.45 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Natco Credit Union had $422,000 in non-current loans and owned real-estate with $7.76 million in equity and loan loss allowances on hand to cover it. This gives Natco Credit Union a Texas Ratio of 5.44% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Natco Credit Union held steady from 4.03% as of December 31, 2010 to 5.44% as of December 31, 2011, resulting in a negative change of 34.90%. This indicates that the balance sheet and financial strength for Natco Credit Union has held steady in recent periods. Deposit Growth In the past year, Natco Credit Union has increased its total deposits by $3.86 million, resulting in 9.38% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Natco Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Natco Credit Union has $52.43 million in assets with $7.76 million in equity, resulting in a capitalization level of 14.79%, which is excellent.

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