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
Call Report peers
Patent and Trademark Office in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Patent and Trademark Office sits in 45-49 with 39 others.
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: Call Report deltas vs peers
- Widest shortfall vs peers is Net Worth Ratio: -7.89 pp (6.97% vs 14.86%).
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.
- One place up in Virginia, Bristol Va School System (#93) scores 52/100, 3 points higher; one place down, Halifax County Community (#95) scores 38/100, 11 points lower.
Patent and Trademark Office Call Report trajectory
Patent and Trademark Office: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $40.3M (2025Q4) to $40.6M (2026Q1).
- Net-worth ratio shifted -0.36 pp (7.33% → 6.97%).
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
Patent and Trademark Office gives up 51 points in total. Delinquency Rate costs the most, 22.2 of its 25; Loan-to-Share Ratio loses the least, 3.3.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Patent and Trademark Office financially healthy?
On its 2025Q4 NCUA 5300 filing, Patent and Trademark Office scores 49/100 (Below Average), with a 6.97% net worth ratio and 3.55% of loans delinquent. It ranks #4,285 of 4,374 nationally on health and #94 of 95 in Virginia.
How does Patent and Trademark Office compare to other credit unions?
Patent and Trademark Office scores 49/100, higher than 2% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (6.97% vs 14.86%).
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?
Patent and Trademark Office is a federal 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. Patent and Trademark Office's net worth ratio of 6.97% is relative to 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.