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
- CHARTER 57/100
- NCUSIF 10.5%
- CAMELS 1.92%
- HEALTH -1.76%
- NW $34.1M
- DELQ 2,126
- ROA #4,138/4,374
- ASSETS Wcu Credit Union
- MEM 60082
Call Report peers
Patriot Equity in the assets neighbourhood
Patriot Equity's $34.1M assets sit next to Wcu Credit Union ($34.1M) 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 Equity 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
57 5th percentile higher than 5% 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 Equity - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60082, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Patriot Equity Call Report trajectory
Patriot Equity: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.8% from $34.1M (2025Q4) to $33.8M (2026Q1).
- Net-worth ratio shifted +0.09 pp (10.41% → 10.50%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 57.
- 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 |
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).
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
Patriot Equity's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($34.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (57/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee 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 Equity financially healthy?
Patriot Equity has a financial health score of 57/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,138 of 4,374; by total assets it ranks #2,745 of 4,374 nationally (same basis as /rankings/largest); and #79 of 127 within Tennessee. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.50% and delinquency rate of 1.92%.
How does Patriot Equity compare to other credit unions?
Patriot Equity scores 57/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 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?
Federal credit unions like Patriot Equity 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 Equity's net worth ratio of 10.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Patriot Equity offer compared to banks?
Credit unions like Patriot Equity 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 Equity 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.