Credit union · NCUA insured
NATCO
A $155.4M credit union headquartered in Richmond, IN, with 17,160 members and 3 branches in Indiana. Best rates: CDs 1.00% and savings 0.75% APY.
NATCO Carrot Score
82
Carrot Score
Higher than 60% of U.S. banks and credit unions
#3 of 9 in Richmond, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About NATCO
Natco Credit Union is headquartered in Richmond, Indiana, and operates three offices.
- Headquarters
- 582 S Round Barn Rd, Richmond, IN 47374-4435
- NCUA charter
- 65208
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Wayne, Fayette, Randolph, Henry, Rush, Union, or Franklin counties in Indiana are eligible for membership.
Employers and groups
- Industrial workers within a 25-mile radius of Richmond, Indiana are eligible for membership.
Family and household
- Immediate family members (spouse/partner, parent, grandparent, sibling, child) of an existing Natco Credit Union member are eligible for membership.
Cost to join
- A minimum deposit of $5 is required to fund the account upon joining.
Branches
3 branches in Indiana
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Indiana
3 branches
Richmond area · 2
- MainMain office582 S Round Barn Rd, Richmond, IN 47374Directions
- East Branch4 Glen Miller Pkwy, Richmond, IN 47374Directions
Connersville area · 1
- Connersville Branch240 E 30th St, Connersville, IN 47331Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 17.26% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.18% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.48% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $94 | $76 | — |
- CapitalNet worth ratio17.26%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.18%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.48%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$94Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of NATCO are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.