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
Call Report peers
Catholic United Financial in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Catholic United Financial sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Minnesota, Northern Communities (#55) ties at 83/100; one place down, CARPENTERS (#57) scores 82/100, 1 point lower.
Quarter path for Catholic United Financial
Catholic United Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $34.3M (2025Q4) to $34.4M (2026Q1).
- Net-worth ratio shifted +0.08 pp (10.37% → 10.45%).
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
Catholic United Financial gives up 17 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Catholic United Financial financially healthy?
Catholic United Financial has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,308 of 4,374 nationally on health and #56 of 82 in Minnesota. Its net worth ratio is 10.45% and its delinquency rate 0.10%.
How does Catholic United Financial compare to other credit unions?
Catholic United Financial scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.10% vs 1.15%). Its widest shortfall is net worth ratio (10.45% vs 14.86%).
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?
Catholic United Financial is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.