State credit union · SAINT PAUL, Minnesota · NCUA charter #68469
Catholic United Financial
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $34.3M
- Total assets
- 2,955
- Members
- 10.4%
- Net-worth ratio
Catholic United Financial scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.3M; members 2,955; net-worth ratio 10.45%; health rank #2,308 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,308 of 4,374 health · 2025Q4Catholic United Financial · health 83/100 · $34.3M · 2025Q4
- BOOK 83/100
- CHARTER 10.4%
- NCUSIF 0.10%
- CAMELS 0.75%
- HEALTH $34.3M
- NW 2,955
- DELQ #2,308/4,374
- ROA Montana Educators'
- ASSETS 68469
Call Report peers
Catholic United Financial in the assets neighbourhood
Catholic United Financial's $34.3M assets sit next to Montana Educators' ($34.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Catholic United Financial vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Catholic United Financial - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68469, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Catholic United Financial: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.10% vs peer 1.15% (-1.05 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.41 pp (10.45% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Catholic United Financial sits in Minnesota
- Health composite ranks #56 of 82 among scored Minnesota credit unions.
- Minnesota assets place: #60 of 82.
- Member book place in Minnesota: #57 of 82.
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Catholic United Financial
Catholic United Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $34.3M (2025Q4) to $34.4M (2026Q1).
- Net-worth ratio shifted +0.08 pp (10.37% → 10.45%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.45% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.45% | -4.41 pp |
| Delinquency Rate | 0.10% | -1.05 pp |
| Return on Assets | 0.75% | +0.04 pp |
| Member Growth | -5.50% | - |
| Loan-to-Share Ratio | 59.96% | +0.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Catholic United Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $34.4M | - |
| 2025Q4 | $34.3M | 2,955 |
| 2024Q4 | $37.1M | 3,127 |
| 2023Q4 | $35.7M | 3,277 |
Credit Union Details
- Charter Number
- 68469
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Minnesota
- City
- SAINT PAUL
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Catholic United Financial, spread across 2 cities.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | SAINT PAUL, MN |
| SAINT CLOUD OFFICE | SAINT CLOUD, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
Catholic United Financial nationwide neighbourhoods
Catholic United Financial's nationwide photo peers by assets and by health score, excluding Minnesota charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($34.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Catholic United Financial ranks #2,308 of 4,374 nationally on financial health and #56 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NSP is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NSP
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Catholic United Financial financially healthy?
Catholic United Financial has a financial health score of 83/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,308 of 4,374; by total assets it ranks #2,736 of 4,374 nationally (same basis as /rankings/largest); and #60 of 82 within Minnesota. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.45% and delinquency rate of 0.10%.
How does Catholic United Financial compare to other credit unions?
On PlainCU's health composite, Catholic United Financial lands at 83/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Catholic United Financial?
Membership eligibility for Catholic United Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Catholic United Financial directly for current membership requirements and application steps.
Is my money safe at Catholic United Financial?
Federal credit unions like Catholic United Financial are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Catholic United Financial's net worth ratio of 10.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Catholic United Financial offer compared to banks?
Credit unions like Catholic United Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Catholic United Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.