State credit union · JACKSON, Tennessee · NCUA charter #60082
Patriot Equity
Health score 57/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $34.1M
- Total assets
- 2,126
- Members
- 10.5%
- Net-worth ratio
Patriot Equity scores 57/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.1M; members 2,126; net-worth ratio 10.50%; health rank #4,138 of 4,374; healthier than 5th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,138 of 4,374 health · 2025Q4Patriot Equity · health 57/100 · $34.1M · 2025Q4
Call Report peers
Patriot Equity in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Patriot Equity vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Patriot Equity sits in 55-59 with 115 others.
57 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Patriot Equity: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 64.36% vs peer 59.80% (+4.56 pp).
- Net Worth Ratio trails the peer set - 10.50% here, 14.86% peer average (-4.36 pp).
Where Patriot Equity sits in Tennessee
- Tennessee health ordinal: #120 of 127.
- Tennessee assets place: #79 of 127.
- Member book place in Tennessee: #84 of 127.
- One place up in Tennessee, Methodist Healthcare (#119) scores 58/100, 1 point higher; one place down, Epb Employees (#121) scores 56/100, 1 point lower.
Patriot Equity Call Report trajectory
Patriot Equity: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.8% from $34.1M (2025Q4) to $33.8M (2026Q1).
- Net-worth ratio shifted +0.09 pp (10.41% → 10.50%).
This credit union's 10.50% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 57/100 score is built
Patriot Equity gives up 43 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.1 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.9 pts
Patriot Equity vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.50% | -4.36 pp |
| Delinquency Rate | 1.92% | +0.77 pp |
| Return on Assets | -1.76% | -2.46 pp |
| Member Growth | -10.67% | - |
| Loan-to-Share Ratio | 64.36% | +4.56 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $33.8M | - |
| 2025Q4 | $34.1M | 2,126 |
| 2024Q4 | $37.5M | 2,380 |
| 2023Q4 | $41.4M | 2,678 |
Credit Union Details
- Charter Number
- 60082
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- JACKSON
- Data Quarter
- 2025Q4
Branch Location
Patriot Equity operates a single office in Jackson, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Patriot Equity Credit Union (Main Office) | Jackson, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
Patriot Equity nationwide neighbourhoods
Using this data
- Patriot Equity ranks #4,138 of 4,374 nationally on financial health and #120 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Knox County Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Knox County Teachers
Frequently Asked Questions
Is Patriot Equity financially healthy?
Patriot Equity has a financial health score of 57/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,138 of 4,374 nationally on health and #120 of 127 in Tennessee. Its net worth ratio is 10.50% and its delinquency rate 1.92%.
How does Patriot Equity compare to other credit unions?
Patriot Equity scores 57/100, higher than 5% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (64.36% vs 59.80%). Its widest shortfall is net worth ratio (10.50% vs 14.86%).
How can I join Patriot Equity?
Membership eligibility for Patriot Equity depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Patriot Equity directly for current membership requirements and application steps.
Is my money safe at Patriot Equity?
Patriot Equity 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 Equity's net worth ratio of 10.50% 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.