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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#195 of 4,374 health · 2025Q4PATRIOT · health 97/100 · $1.29B · 2025Q4
- HEALTH 97/100
- NW 11.3%
- DELQ 0.35%
- ROA 0.82%
- ASSETS $1.29B
- MEM 81,278
- RANK #195/4,374
- PHOTO Leaders Credit Union
- BOOK 16574
Call Report peers
PATRIOT in the assets neighbourhood
PATRIOT's $1.29B assets sit next to Leaders Credit Union ($1.29B) 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.
PATRIOT 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
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
PATRIOT - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #16574. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for PATRIOT
PATRIOT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $1.29B (2025Q4) to $1.33B (2026Q1).
- Net-worth ratio shifted -0.02 pp (11.37% → 11.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
PATRIOT's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.29B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 PATRIOT financially healthy?
PATRIOT has a financial health score of 97/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #195 of 4,374; by total assets it ranks #377 of 4,374 nationally (same basis as /rankings/largest); and #13 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.35% and delinquency rate of 0.35%.
How does PATRIOT compare to other credit unions?
97/100 is PATRIOT's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like PATRIOT 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. PATRIOT's net worth ratio of 11.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PATRIOT offer compared to banks?
Credit unions like PATRIOT 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 PATRIOT 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.