Federal credit union · CHAMBERSBURG, Pennsylvania · NCUA charter #16574
PATRIOT
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $1.29B
- Total assets
- 81,278
- Members
- 11.3%
- Net-worth ratio
PATRIOT scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.29B; members 81,278; net-worth ratio 11.35%; health rank #195 of 4,374; healthier than 95th of scored peers.
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NCUA 5300 Call Report Masthead
#195 of 4,374 health · 2025Q4PATRIOT · health 97/100 · $1.29B · 2025Q4
Call Report peers
PATRIOT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PATRIOT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PATRIOT sits in 95-99 with 391 others.
97 Top 5% higher than 95% 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
Peer-gap read for PATRIOT
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.53 pp (0.35% vs 0.87%).
- Largest lag: Loan-to-Share Ratio at 83.11% vs peer 83.90% (-0.79 pp).
Where PATRIOT sits in Pennsylvania
- Health composite ranks #6 of 275 among scored Pennsylvania credit unions.
- Pennsylvania assets place: #13 of 275.
- Member book place in Pennsylvania: #11 of 275.
- One place up in Pennsylvania, Cmc-Fcpi Employees (#5) ties at 97/100; one place down, Pennsylvania Central (#7) ties at 97/100.
Quarter path for PATRIOT
PATRIOT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $1.29B (2025Q4) to $1.33B (2026Q1).
- Net-worth ratio shifted -0.02 pp (11.37% → 11.35%).
At 11.35%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 97/100 score is built
PATRIOT gives up 3 points in total. Member Growth costs the most, 3.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.9 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for PATRIOT
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.35% | +0.17 pp |
| Delinquency Rate | 0.35% | -0.53 pp |
| Return on Assets | 0.82% | +0.31 pp |
| Member Growth | 2.42% | - |
| Loan-to-Share Ratio | 83.11% | -0.79 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - PATRIOT
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.33B | - |
| 2025Q4 | $1.29B | 81,278 |
| 2024Q4 | $1.16B | 79,356 |
| 2023Q4 | $1.08B | 78,920 |
Credit Union Details
- Charter Number
- 16574
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Pennsylvania
- City
- CHAMBERSBURG
- Data Quarter
- 2025Q4
Branch Locations (13)
The NCUA branch filing lists 13 physical offices for PATRIOT, spread across 7 cities in 3 states.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Chambersburg, PA |
| Corporate Center | Chambersburg, PA |
| Federal Street | Chambersburg, PA |
| CASHS Student Branch | Chambersburg, PA |
| Gateway Avenue Office | Chambersburg, PA |
| Lincoln Highway East | Chambersburg, PA |
| Ballenger Creek Branch | Frederick, MD |
| Greencastle Branch | Greencastle, PA |
| North Pointe Office | Hagerstown, MD |
| Robinwood | Hagerstown, MD |
| Spring Mills | Martinsburg, WV |
| Shippensburg | Shippensburg, PA |
| Waynesboro Financial Services Center | Waynesboro, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near PATRIOT
Using this data
- PATRIOT ranks #195 of 4,374 nationally on financial health and #6 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DIAMOND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DIAMOND
Frequently Asked Questions
Is PATRIOT financially healthy?
On its 2025Q4 NCUA 5300 filing, PATRIOT scores 97/100 (Excellent), with a 11.35% net worth ratio and 0.35% of loans delinquent. It ranks #195 of 4,374 nationally on health and #6 of 275 in Pennsylvania.
How does PATRIOT compare to other credit unions?
PATRIOT scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.35% vs 0.87%). Its widest shortfall is loan-to-share ratio (83.11% vs 83.90%).
How can I join PATRIOT?
PATRIOT operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact PATRIOT directly for the exact boundaries and application steps.
Is my money safe at PATRIOT?
PATRIOT 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. PATRIOT's net worth ratio of 11.35% 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.