Federal credit union · ALEXANDRIA, Virginia · NCUA charter #4936
Patent and Trademark Office
Health score 49/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 49
- Health / 100
- $40.3M
- Total assets
- 2,808
- Members
- 7.0%
- Net-worth ratio
Patent and Trademark Office scores 49/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $40.3M; members 2,808; net-worth ratio 6.97%; health rank #4,285 of 4,374; healthier than 2nd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,285 of 4,374 health · 2025Q4Patent and Trademark Office · health 49/100 · $40.3M · 2025Q4
- CHARTER 49/100
- NCUSIF 7.0%
- CAMELS 3.55%
- HEALTH -0.12%
- NW $40.3M
- DELQ 2,808
- ROA #4,285/4,374
- ASSETS Public Service
- MEM 4936
Call Report peers
Patent and Trademark Office in the assets neighbourhood
Patent and Trademark Office's $40.3M assets sit next to Public Service ($40.3M) 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.
Patent and Trademark Office 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
49 2nd percentile higher than 2% 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
Patent and Trademark Office - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #4936: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Patent and Trademark Office: Call Report deltas vs peers
- Widest shortfall vs peers is Net Worth Ratio: -7.89 pp (6.97% 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 Patent and Trademark Office sits in Virginia
- Virginia health ordinal: #94 of 95.
- Assets rank #62 of 95 inside Virginia ($40.3M reported).
- Virginia membership ordinal: #64 of 95.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Patent and Trademark Office Call Report trajectory
Patent and Trademark Office: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $40.3M (2025Q4) to $40.6M (2026Q1).
- Net-worth ratio shifted -0.36 pp (7.33% → 6.97%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
6.97% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 49/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 49.
- Net Worth Ratio 22.3 pts
- Delinquency Rate 2.8 pts
- Return on Assets 3.4 pts
- Member Growth 8.8 pts
- Loan-to-Share Ratio 11.7 pts
Call Report ratios for Patent and Trademark Office
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.97% | -7.89 pp |
| Delinquency Rate | 3.55% | +2.40 pp |
| Return on Assets | -0.12% | -0.83 pp |
| Member Growth | -0.11% | - |
| Loan-to-Share Ratio | 55.42% | -4.38 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.6M | - |
| 2025Q4 | $40.3M | 2,808 |
| 2024Q4 | $40.3M | 2,811 |
| 2023Q4 | $44.1M | 2,759 |
Credit Union Details
- Charter Number
- 4936
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Virginia
- City
- ALEXANDRIA
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Patent and Trademark Office.
| Office | City |
|---|---|
| Main Office (Main Office) | Alexandria, VA |
| Vital Records | Alexandria, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
- FIRST NRVRadford, VA · $10M–$50M61Health
- VANTAGE POINTHOPEWELL, VA · $10M–$50M68Health
- HAMPTON ROADS EDUC CREDIT UNION INCHAMPTON, VA · $10M–$50M73Health
- PFD FIREFIGHTERS CREDIT UNION INC.Portsmouth, VA · $10M–$50M91Health
- LYNCHBURG MUNICIPAL EMPLOYEESLynchburg, VA · $10M–$50M89Health
Patent and Trademark Office nationwide neighbourhoods
Two NCUA Call Report peer sets for Patent and Trademark Office, both outside Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($40.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (49/100 here).
Using this data
- Patent and Trademark Office ranks #4,285 of 4,374 nationally on financial health and #94 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Nrv is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Nrv
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia 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 Patent and Trademark Office financially healthy?
Patent and Trademark Office scores 49/100 (Below Average) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,285 of 4,374; by total assets it ranks #2,597 of 4,374 nationally (same basis as /rankings/largest); and #62 of 95 within Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 6.97% net worth ratio and a 3.55% delinquency rate.
How does Patent and Trademark Office compare to other credit unions?
PlainCU's health composite puts Patent and Trademark Office at 49/100, 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 Patent and Trademark Office?
Patent and Trademark Office carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Patent and Trademark Office directly to confirm current membership steps.
Is my money safe at Patent and Trademark Office?
Federal credit unions like Patent and Trademark Office 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. Patent and Trademark Office's net worth ratio of 6.97% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Patent and Trademark Office offer compared to banks?
Credit unions like Patent and Trademark Office 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 Patent and Trademark Office 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.