State credit union · OAKVILLE, Missouri · NCUA charter #64856
PATRIOT
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $16.6M
- Total assets
- 1,516
- Members
- 8.3%
- Net-worth ratio
PATRIOT scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.6M; members 1,516; net-worth ratio 8.35%; health rank #3,030 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,030 of 4,374 health · 2025Q4PATRIOT · health 78/100 · $16.6M · 2025Q4
Call Report peers
PATRIOT in the assets neighbourhood
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PATRIOT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PATRIOT sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
PATRIOT vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +30.48 pp (90.28% vs 59.80%).
- Net Worth Ratio trails the peer set - 8.35% here, 14.86% peer average (-6.51 pp).
Missouri standing for PATRIOT
- Health composite ranks #62 of 89 among scored Missouri credit unions.
- By total assets, PATRIOT is #62 of 89 in Missouri.
- Missouri membership ordinal: #68 of 89.
- One place up in Missouri, ALLIANCE (#61) ties at 78/100; one place down, West Side Baptist Church (#63) scores 77/100, 1 point lower.
PATRIOT Call Report trajectory
PATRIOT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.3% from $16.6M (2025Q4) to $15.9M (2026Q1).
- Net-worth ratio shifted +0.62 pp (7.73% → 8.35%).
At 8.35%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
PATRIOT gives up 22 points in total. Delinquency Rate costs the most, 9.4 of its 25; Return on Assets scores full marks.
- Net Worth Ratio 25.9 pts
- Delinquency Rate 15.6 pts
- Return on Assets 15.0 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 14.5 pts
Call Report ratios for PATRIOT
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.35% | -6.51 pp |
| Delinquency Rate | 1.59% | +0.44 pp |
| Return on Assets | 0.81% | +0.11 pp |
| Member Growth | -1.11% | - |
| Loan-to-Share Ratio | 90.28% | +30.48 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
PATRIOT quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $15.9M | - |
| 2025Q4 | $16.6M | 1,516 |
| 2024Q4 | $14.8M | 1,533 |
| 2023Q4 | $15.5M | 1,496 |
Credit Union Details
- Charter Number
- 64856
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- OAKVILLE
- Data Quarter
- 2025Q4
Branch Location
PATRIOT operates a single office in Saint Louis, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Patriot Credit Union (Main Office) | Saint Louis, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- PATRIOT ranks #3,030 of 4,374 nationally on financial health and #62 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- STATIONERY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with STATIONERY
Frequently Asked Questions
Is PATRIOT financially healthy?
On its 2025Q4 NCUA 5300 filing, PATRIOT scores 78/100 (Very Good), with a 8.35% net worth ratio and 1.59% of loans delinquent. It ranks #3,030 of 4,374 nationally on health and #62 of 89 in Missouri.
How does PATRIOT compare to other credit unions?
PATRIOT scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (90.28% vs 59.80%). Its widest shortfall is net worth ratio (8.35% vs 14.86%).
How can I join PATRIOT?
Membership eligibility for PATRIOT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact PATRIOT directly for current membership requirements and application steps.
Is my money safe at PATRIOT?
PATRIOT is a state-chartered 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 8.35% 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.