State credit union · JESUP, Iowa · NCUA charter #65136
St. Athanasius
Health score 54/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $502K
- Total assets
- 231
- Members
- 12.1%
- Net-worth ratio
St. Athanasius - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #65136: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
St. Athanasius - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)83
- Member growth25
- Liquidity (loan-to-share)52
Weighted composite: 54/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.06% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.06% | 30% |
| Delinquency Rate | 29.38% | 25% |
| Return on Assets | 0.33% | 15% |
| Member Growth | -2.94% | 15% |
| Loan-to-Share Ratio | 107.15% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $502K | 231 |
| 2024Q4 | $636K | 238 |
| 2023Q4 | $664K | 243 |
Credit Union Details
- Charter Number
- 65136
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Iowa
- City
- JESUP
- Data Quarter
- 2025Q4
What This Data Says About St. Athanasius
Headquartered in JESUP, Iowa, St. Athanasius is a state credit union with 231 members, $502K in total assets, and $422K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 54/100 (Fair), driven in part by a net worth ratio of 12.06% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #65136 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
Two more numbers round out the picture: a 29.38% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers - and a 107.15% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.33% on net income of $2K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.94%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is St. Athanasius financially healthy?
Yes/no aside, the number is 54/100 (Fair) - St. Athanasius's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.06% net worth ratio and 29.38% delinquency rate are the key drivers.
How does St. Athanasius compare to other credit unions?
Five weighted metrics from NCUA filings produce St. Athanasius's 54/100 score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 St. Athanasius?
Membership eligibility for St. Athanasius depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact St. Athanasius directly for current membership requirements and application steps.
Is my money safe at St. Athanasius?
Federal credit unions like St. Athanasius 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. St. Athanasius's net worth ratio of 12.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. Athanasius offer compared to banks?
Credit unions like St. Athanasius 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 St. Athanasius directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.