Sep, 30, 2025 — NATCO CREDIT UNION is a federally insured state chartered credit union headquartered in RICHMOND, IN with 3 branch locations and about $146.30 million in total assets. Opened 81 years ago in 1945, NATCO CREDIT UNION has about 17,518 members and employs 75 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | NATCO CREDIT UNION |
|---|---|
| Address: (Main Office) | 582 S ROUND BARN RD RICHMOND, IN 47374-4435 |
| Phone: | (765) 962-2561 |
| Fax: | (765) 966-3727 |
| Website: | https://www.natcocu.org |
| Branches: | 3 branch locations |
| Members: | 17,518 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 65208 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1945 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $146,297,443 |
| CEO/Manager: | Cynthia L Duke |
| Chairperson: | Mike Helms |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,098,253 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 19,003,026 |
| Unsecured Loans | 21,456,344 |
| Other Loans | 73,201,482 |
| TOTAL LOANS | 113,660,853 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -2,270,545 |
| Land And Building | 2,572,682 |
| Other Fixed Assets | 848,494 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,274,380 |
| All Other Assets | 67,899 |
| TOTAL ASSETS | 146,297,443 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,474,686 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 31,589,839 |
| Regular shares | 74,206,055 |
| All Other Shares & Deposits | 15,815,848 |
| TOTAL SHARES & DEPOSITS | 121,611,742 |
| TOTAL LIABILITIES | 123,086,428 |
| Regular Reserve | 0 |
| Other Reserves | -1,549,556 |
| Undivided Earnings | 24,760,571 |
| TOTAL EQUITY | 23,211,015 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 146,297,443 |
| INCOME & EXPENSE | |
| Loan Income | 7,414,849 |
| Investment Income | 830,100 |
| Other Income | 1,618,094 |
| Total Employee Compensation & Benefits | 4,677,298 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 4,026,680 |
| Non-operating Income & (Expense) | -16,086 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,028,118 |
| Cost of Funds | 889,565 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,512,751 |
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