Federal credit union · ALEXANDRIA, Virginia · NCUA charter #4936

Patent and Trademark Office

Health score 37/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.

37
Health / 100
$40.3M
Total assets
2,808
Members
3.9%
Net-worth ratio

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.

NCUSIF coverage gauge for Patent and Trademark Office Share insurance under NCUSIF covers up to $250,000 per share owner. Patent and Trademark Office holds approximately $37.3M in member shares. Composite CAMELS rating bracket 4 (Marginal). Risk-based capital ratio 3.9 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 4 · Marginal RBC ratio 3.9% · $37.3M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Patent and Trademark Office - Five Health Pillars

Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.

  • Capital (net worth ratio) 3.89% 30% weight
  • Asset quality (delinquency) 3.55% 25% weight
  • Earnings (ROA) -0.12% 15% weight
  • Member growth -0.11% 15% weight
  • Liquidity (loan-to-share) 55% 15% weight

Weighted composite: 37/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 26.0%

3.89% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.

$40.3M
Total Assets
2,808
Members
$20.7M
Total Loans
$37.3M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 3.89% 30%
Delinquency Rate 3.55% 25%
Return on Assets -0.12% 15%
Member Growth -0.11% 15%
Loan-to-Share Ratio 55.42% 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 $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

What This Data Says About Patent and Trademark Office

2,808 members and $40.3M in total assets sit behind Patent and Trademark Office, a federal credit union in ALEXANDRIA, Virginia, which posts a health score of 37/100 (Weak) on the five-factor composite, with $20.7M in outstanding loans as of Q4 2025 and a net worth ratio of 3.89% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #4936 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.

Deposits deployed into lending sit at a 55.42% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 3.55% 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 looser than peers. Return on assets stands at -0.12% on net income of $-48634 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 -0.11%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Low Income) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.

Nearby Credit Unions in Virginia

Other federally-insured credit unions in Virginia, closest first by peer group and asset size.

Compare Patent and Trademark Office vs FIRST NRV

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 Patent and Trademark Office financially healthy?

Patent and Trademark Office scores 37/100 (Weak) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 3.89% 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 37/100, 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 3.89% 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.

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.