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
- PHOTO 78/100
- BOOK 8.3%
- CHARTER 1.59%
- NCUSIF 0.81%
- CAMELS $16.6M
- HEALTH 1,516
- NW #3,030/4,374
- DELQ Local Union 392
- ROA 64856
Call Report peers
PATRIOT in the assets neighbourhood
PATRIOT's $16.6M assets sit next to Local Union 392 ($16.6M) 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
78 31st percentile higher than 31% 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
Charter #64856's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
PATRIOT Call Report trajectory
PATRIOT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.3% from $16.6M (2025Q4) to $15.9M (2026Q1).
- Net-worth ratio shifted +0.62 pp (7.73% → 8.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for PATRIOT, both outside Missouri so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri 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 78/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,030 of 4,374; by total assets it ranks #3,260 of 4,374 nationally (same basis as /rankings/largest); and #62 of 89 within Missouri. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.35% and delinquency rate of 1.59%.
How does PATRIOT compare to other credit unions?
PlainCU's health composite puts PATRIOT at 78/100, 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 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?
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 8.35% 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.