Civic Intelligence

Natco Credit Union

EIN 35-1047478 • 501(c)14 • Richmond, IN

View Organization Page

Profile

Cooperative financial institution.

PO Box 817Richmond, IN 47375-0817

www.natcocu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

22nd percentile

0.86x

Higher debt load relative to assets than 22% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

6th percentile

8.32x

Higher debt load relative to revenue than 6% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

49th percentile

11%

Higher net margin than 49% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

74th percentile

$300,733

Higher top officer pay than 74% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

47th percentile

2.3%

Faster asset growth than 47% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

4th percentile

-8.5%

Faster revenue growth than 4% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets22nd percentile

Assets

Up

$150,807,932

Up $3,426,252 (+2.3%) from 2023

Liabilities

Up

$130,033,462

Up $1,214,743 (+0.9%) from 2023

Net Assets

Up

$20,774,470

Up $2,211,509 (+12%) from 2023

Operations
Liabilities / Revenue6th percentileNet Margin49th percentile

Revenue

Down

$15,620,397

Down $1,455,834 (-8.5%) from 2023

Expenses

Up

$13,834,758

Up $1,479,093 (+12%) from 2023

Net Income

Down

$1,785,639

Down $2,934,927 (-62%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth47th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200M$150M$100M$50M$0Assets 2010: $48,212,319Liabilities 2010: $30,375Net Assets 2010: $48,181,9442010Assets 2011: $52,422,689Liabilities 2011: $45,104,508Net Assets 2011: $7,318,1812011Assets 2012: $63,392,276Liabilities 2012: $55,560,070Net Assets 2012: $7,832,2062012Assets 2013: $64,346,677Liabilities 2013: $56,296,855Net Assets 2013: $8,049,8222013Assets 2014: $68,670,749Liabilities 2014: $60,235,815Net Assets 2014: $8,434,9342014Assets 2015: $74,796,432Liabilities 2015: $65,942,536Net Assets 2015: $8,853,8962015Assets 2016: $75,532,923Liabilities 2016: $66,456,621Net Assets 2016: $9,076,3022016Assets 2017: $79,514,852Liabilities 2017: $69,919,814Net Assets 2017: $9,595,0382017Assets 2018: $84,329,667Liabilities 2018: $73,613,778Net Assets 2018: $10,715,8892018Assets 2019: $91,464,921Liabilities 2019: $79,014,353Net Assets 2019: $12,450,5682019Assets 2020: $114,148,904Liabilities 2020: $100,066,517Net Assets 2020: $14,082,3872020Assets 2021: $134,204,698Liabilities 2021: $118,592,545Net Assets 2021: $15,612,1532021Assets 2022: $141,781,366Liabilities 2022: $127,787,531Net Assets 2022: $13,993,8352022Assets 2023: $147,381,680Liabilities 2023: $128,818,719Net Assets 2023: $18,562,9612023Assets 2024: $150,807,932Liabilities 2024: $130,033,462Net Assets 2024: $20,774,4702024

Highlighted filing

2024

Assets$150,807,932
Liabilities$130,033,462
Net Assets$20,774,470
Open 2024 Filing

Operations Trend

Revenue Growth4th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$20M$15M$10M$5.0M$0Expenses 2010: $4,309,2222010Expenses 2011: $4,363,3382011Expenses 2012: $4,359,7682012Revenue 2013: $5,204,197Expenses 2013: $4,943,900Net Income 2013: $260,2972013Revenue 2014: $5,629,521Expenses 2014: $5,249,417Net Income 2014: $380,1042014Revenue 2015: $6,156,684Expenses 2015: $5,960,398Net Income 2015: $196,2862015Revenue 2016: $6,880,082Expenses 2016: $6,704,700Net Income 2016: $175,3822016Revenue 2017: $7,689,959Expenses 2017: $7,136,129Net Income 2017: $553,8302017Revenue 2018: $9,273,732Expenses 2018: $8,216,546Net Income 2018: $1,057,1862018Revenue 2019: $10,301,500Expenses 2019: $8,969,533Net Income 2019: $1,331,9672019Revenue 2020: $9,950,492Expenses 2020: $8,679,724Net Income 2020: $1,270,7682020Revenue 2021: $10,613,875Expenses 2021: $8,082,443Net Income 2021: $2,531,4322021Revenue 2022: $12,112,969Expenses 2022: $9,749,351Net Income 2022: $2,363,6182022Revenue 2023: $17,076,231Expenses 2023: $12,355,665Net Income 2023: $4,720,5662023Revenue 2024: $15,620,397Expenses 2024: $13,834,758Net Income 2024: $1,785,6392024

Highlighted filing

2024

Revenue$15,620,397
Expenses$13,834,758
Net Income$1,785,639
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$150,807,932
Liabilities
$130,033,462
Net assets
$20,774,470
Revenue
$15,620,397
Expenses
$13,834,758
Net income
$1,785,639
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$151$130$20.8$15.6$13.8$1.79
2023Detailed filing. Detailed filing data is available for this year.$147$129$18.6$17.1$12.4$4.72
2022Detailed filing. Detailed filing data is available for this year.$142$128$14.0$12.1$9.75$2.36
2021Detailed filing. Detailed filing data is available for this year.$134$119$15.6$10.6$8.08$2.53
2020Detailed filing. Detailed filing data is available for this year.$114$100$14.1$9.95$8.68$1.27
2019Detailed filing. Detailed filing data is available for this year.$91.5$79.0$12.5$10.3$8.97$1.33
2018Detailed filing. Detailed filing data is available for this year.$84.3$73.6$10.7$9.27$8.22$1.06
2017Detailed filing. Detailed filing data is available for this year.$79.5$69.9$9.60$7.69$7.14$0.55
2016Detailed filing. Detailed filing data is available for this year.$75.5$66.5$9.08$6.88$6.70$0.18
2015Detailed filing. Detailed filing data is available for this year.$74.8$65.9$8.85$6.16$5.96$0.20
2014Detailed filing. Detailed filing data is available for this year.$68.7$60.2$8.43$5.63$5.25$0.38
2013Detailed filing. Detailed filing data is available for this year.$64.3$56.3$8.05$5.20$4.94$0.26
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$63.4$55.6$7.83$4.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.4$45.1$7.32$4.36
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.2$0.03$48.2$4.31
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 9, 2025
Return Version
2024v5.1
Gross Receipts
$15,620,397
Mission and Program Overview

Mission

Cooperative financial institution.

Cooperative financial institution

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$103,676,503$105,808,322▲ $2,131,819
Investments in Publicly Traded Securities$33,431,931$25,726,758▼ $7,705,173
Rtn Earn Endowment Incm Other Fnds$11,618,754$13,050,320▲ $1,431,566
Savings and Temporary Cash Investments$2,386,703$8,619,117▲ $6,232,414
Pd in Cap Srpls Land Bldg Eqp Fund$6,944,207$7,724,150▲ $779,943
Land, Buildings, and Equipment, Net$2,927,844$3,363,911▲ $436,067
Cash and Non-Interest-Bearing Accounts$1,223,648$3,114,613▲ $1,890,965
Investments Other Securities$793,846$892,420▲ $98,574
Prepaid Expenses and Deferred Charges$509,947$569,451▲ $59,504
Receivables From Officers Etc$50,639$81,041▲ $30,402
Accounts Receivable$14,259$67,773▲ $53,514
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$147,381,680$150,807,932▲ $3,426,252
Other Assets Total$2,366,360$2,564,526▲ $198,166
Liabilities
Other Liabilities$127,745,387$128,890,586▲ $1,145,199
Accounts Payable and Accrued Expenses$1,073,332$1,142,876▲ $69,544
Total Liabilities$128,818,719$130,033,462▲ $1,214,743
Net Assets / Fund Balance
Total Net Assets Fund Balance$18,562,961$20,774,470▲ $2,211,509
Total Liabilities and Net Assets / Fund Balance$147,381,680$150,807,932▲ $3,426,252

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,350,420$2,874,232$4,224,652
Other Land Buildings$911,721$2,095,965$3,007,686
Land$1,101,770-$1,101,770
Compensation and Service Providers
Top Officer Pay74th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Cynthia DukeCEO/presidentFT$300,733$300,733
Sherry DillonAdministrative DirectorFT$120,019$120,019

Board Members and Trustees

NameTitle
David NuttyChairperson
Mike HelmsVice Chairperson
Carl RinehartDirector
Linda SherrowDirector
Pam PearsonDirector
Jack BucklandSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,578,107
Investment Income
$1,042,290
Other Revenue
$0
Change in Net Assets
$1,785,639
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,219,493
Salaries, Compensation, and Employee Benefits$5,615,265
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$4,366,806--$4,366,806
All Other Expenses$1,004,338--$1,004,338
Office Expenses$901,918--$901,918
Other Employee Benefits$798,563--$798,563
Other Expenses$724,925--$724,925
Depreciation Depletion$370,355--$370,355
Payroll Taxes$317,039--$317,039
Fees for Services Other$291,561--$291,561
Occupancy$221,905--$221,905
Information Technology$151,272--$151,272
Advertising$136,171--$136,171
Pension Plan Contributions$132,857--$132,857
Conferences and Meetings$100,008--$100,008
Interest$21--$21
Total Functional Expenses$13,834,758$0$0$13,834,758
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$50,639$81,041▲ $30,402
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$113,108,456
Member Certificates$15,782,130
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Loan and deposit services to members”

Form 990, Part VI, Section A, Line 7A

“The board of directors are elected by the credit union membership.”

Form 990, Part VI, Section B, Line 11B

“Management review prior to filing.”

Form 990, Part VI, Section B, Line 12C

“Enforcement of conflicts policy inquiry at monthly board meetings and monitoring of share and loan accounts.”

Form 990, Part VI, Section B, Line 15

“Compensation process for top official performance reviewed by committee and salary within national salary survey limits.”

Form 990, Part VI, Section C, Line 18

“Governing documents disclosure explanation upon request and available on ncua website.”

Form 990, Part VI, Section C, Line 19

“Governing documents disclosure explanation upon request and available on ncua website.”

Form 990, Part VI, Line 12C - Enforcement of Conflicts Policy

“Inquiry at monthly board meetings and monitoring of share and loan accounts.”

Form 990, Part VI, Line 15A - Compensation Process for Top Official

“Performance reviewed by committee and salary within national salary survey limits.”

Form 990, Part VI, Line 15B - Compensation Process for Officers

“Performance reviewed by committee and salary within national salary survey limits.”

Filing and Contact Details

Filer

Filer Name
Natco Credit Union
EIN
35-1047478
Phone
7659622561
Address
PO BOX 817, RICHMOND, IN 47375-0817

Signing Officer

Name
Lisa Huntington
Title
Accountant
Phone
7659622561
Signed
2025-05-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lisa Huntington
Formed
1945
Legal Domicile
In
Voting Board Members
6
Independent Board Members
6
Employees
176
Volunteers
0

Preparer

Firm
Whitinger & Company LLC
Address
1100 W WHITE RIVER BLVD, MUNCIE, IN 47303-3776
Preparer
Terry D Brumley CPA
Phone
7652843384
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in unrealized investment loss 425,870.”

Raw XML AppendixShowing 400 of 514 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt0221905
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IRS990/OfficeExpensesGrp/ProgramServicesAmt0901918
IRS990/OfficeExpensesGrp/TotalAmt0901918
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IRS990/OperateHospitalInd00
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IRS990/OtherAssetsTotalGrp/EOYAmt02564526
IRS990/OtherChangesInNetAssetsAmt0425870
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0798563
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IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc2ATM COSTS
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING
IRS990/OtherExpensesGrp/ProgramServicesAmt01825584
IRS990/OtherExpensesGrp/ProgramServicesAmt11313856
IRS990/OtherExpensesGrp/ProgramServicesAmt21177579
IRS990/OtherExpensesGrp/ProgramServicesAmt3724925
IRS990/OtherExpensesGrp/TotalAmt01825584
IRS990/OtherExpensesGrp/TotalAmt11313856
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IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt04366806
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IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0103676503
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IRS990/PartialLiquidationInd00
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IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt06944207
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt07724150
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0132857
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IRS990/PoliticalCampaignActyInd00
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14882465
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt011618754
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IRS990/SavingsAndTempCashInvstGrp/BOYAmt02386703
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IRS990/ScheduleBRequiredInd00
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IRS990ScheduleD/BuildingsGrp/BookValueAmt01350420
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IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LandGrp/BookValueAmt01101770
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IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0911721
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IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt03007686
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
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IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt111694
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt21288
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt310675
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt69228
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt714581
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt8290
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt923879
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt109406
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd00
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd60
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd70
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd110
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0LINE OF CREDIT
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5LINE OF CREDIT
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7HELOC
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10LINE OF CREDIT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt05000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt132172
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt210000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt320000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt415000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt510000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt610000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt726000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt816499
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt91500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1030000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1110000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0MICHAEL HELMS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1MICHAEL HELMS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2JACK BUCKLAND
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3CINDY DUKE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4MICHAEL HELMS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5CINDY DUKE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6LINDA SHERROW
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7CARL RHINEHART III
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8SHERRY DILLON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9CARL RHINEHART III
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm10SHERRY DILLON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm11SHERRY DILLON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01

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