State credit union · DUBUQUE, Iowa · NCUA charter #65243
Holy Ghost Parish
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $32.8M
- Total assets
- 873
- Members
- 8.5%
- Net-worth ratio
Holy Ghost Parish - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #65243. See our deposit-insurance coverage note.
Holy Ghost Parish - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)87
- Asset quality (delinquency)100
- Earnings (ROA)32
- Member growth18
- Liquidity (loan-to-share)42
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.45%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.45% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.01% | 15% |
| Member Growth | -3.54% | 15% |
| Loan-to-Share Ratio | 3.55% | 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 | $32.8M | 873 |
| 2024Q4 | $29.6M | 905 |
| 2023Q4 | $31.1M | 951 |
Credit Union Details
- Charter Number
- 65243
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Iowa
- City
- DUBUQUE
- Data Quarter
- 2025Q4
What This Data Says About Holy Ghost Parish
The five-factor composite scores Holy Ghost Parish at 65/100 (Good), reflecting a net worth ratio of 8.45% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in DUBUQUE, Iowa, reports 873 members, $32.8M in total assets, and $1.0M in outstanding loans as of Q4 2025 under charter #65243 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Deposits deployed into lending sit at a 3.55% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.00% 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 0.01% on net income of $2K 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 -3.54%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Iowa
A look at other Iowa credit unions, ranked by how closely their peer group and asset size match this one.
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 Holy Ghost Parish financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Holy Ghost Parish carries a financial health score of 65/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.45% net worth ratio and a 0.00% delinquency rate.
How does Holy Ghost Parish compare to other credit unions?
PlainCU's health composite puts Holy Ghost Parish at 65/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Holy Ghost Parish?
Membership eligibility for Holy Ghost Parish depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Holy Ghost Parish directly for current membership requirements and application steps.
Is my money safe at Holy Ghost Parish?
Federal credit unions like Holy Ghost Parish 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. Holy Ghost Parish's net worth ratio of 8.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Holy Ghost Parish offer compared to banks?
Credit unions like Holy Ghost Parish 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 Holy Ghost Parish 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.