State credit union · SAINT PAUL, Minnesota · NCUA charter #68469
Catholic United Financial
Health score 66/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $34.3M
- Total assets
- 2,955
- Members
- 5.1%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)43
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)85
Weighted composite: 66/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
5.15% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.15% | 30% |
| Delinquency Rate | 0.10% | 25% |
| Return on Assets | 0.75% | 15% |
| Member Growth | -5.50% | 15% |
| Loan-to-Share Ratio | 59.96% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Catholic United Financial
Catholic United Financial is a state credit union headquartered in SAINT PAUL, Minnesota, serving 2,955 members with $34.3M in total assets and $18.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 66/100 (Good), anchored by a net worth ratio of 5.15% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #68469 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 59.96% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.10% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.75% on net income of $256K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -5.50%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Catholic United Financial financially healthy?
Catholic United Financial has a financial health score of 66/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 5.15% 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 66/100, 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 5.15% is relative to 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.
Read our methodology - how this data is sourced, computed, and verified.
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.