State credit union · Chicago, Illinois · NCUA charter #60680
St. Gregory Parish
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $393K
- Total assets
- 120
- Members
- 13.6%
- Net-worth ratio
St. Gregory Parish - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60680 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
St. Gregory Parish - 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)43
- Earnings (ROA)100
- Member growth67
- Liquidity (loan-to-share)66
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.63% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.63% | 30% |
| Delinquency Rate | 2.28% | 25% |
| Return on Assets | 1.51% | 15% |
| Member Growth | 0.84% | 15% |
| Loan-to-Share Ratio | 42.55% | 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 | $393K | 120 |
| 2024Q4 | $380K | 119 |
| 2023Q4 | $347K | 126 |
Credit Union Details
- Charter Number
- 60680
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
What This Data Says About St. Gregory Parish
St. Gregory Parish is a state credit union headquartered in Chicago, Illinois, serving 120 members with $393K in total assets and $143K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 76/100 (Very Good), anchored by a net worth ratio of 13.63% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #60680 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
On loan book quality: 2.28% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 42.55% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.51% on net income of $6K 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 0.84%. 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 Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
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. Gregory Parish financially healthy?
A 13.63% net worth ratio and a 2.28% delinquency rate feed into St. Gregory Parish's financial health score of 76/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does St. Gregory Parish compare to other credit unions?
76/100 is St. Gregory Parish's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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. Gregory Parish?
Membership eligibility for St. Gregory Parish depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact St. Gregory Parish directly for current membership requirements and application steps.
Is my money safe at St. Gregory Parish?
Federal credit unions like St. Gregory Parish 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. Gregory Parish's net worth ratio of 13.63% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. Gregory Parish offer compared to banks?
Credit unions like St. Gregory Parish 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. Gregory Parish 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.