State credit union · Chicago, Illinois · NCUA charter #66296
St. Helena Parish
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $302K
- Total assets
- 154
- Members
- 10.3%
- Net-worth ratio
St. Helena Parish scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $302K; members 154; net-worth ratio 10.35%; health rank #203 of 4,374; healthier than 95th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#203 of 4,374 health · 2025Q4St. Helena Parish · health 97/100 · $302K · 2025Q4
- ROA 97/100
- ASSETS 10.3%
- MEM 0.00%
- RANK 0.71%
- PHOTO $302K
- BOOK 154
- CHARTER #203/4,374
- NCUSIF n/a
- CAMELS 66296
Call Report peers
St. Helena Parish carries $302K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
St. Helena Parish 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
97 Top 5% higher than 95% 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
St. Helena Parish - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #66296 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for St. Helena Parish
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 4.48% (-4.48 pp).
- Largest lag: Net Worth Ratio at 10.35% vs peer 22.93% (-12.58 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Illinois standing for St. Helena Parish
- Illinois health ordinal: #7 of 192.
- By total assets, St. Helena Parish is #186 of 192 in Illinois.
- Membership ranks #183 of 192 among Illinois CUs with a reported count (154 members).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
St. Helena Parish Call Report trajectory
St. Helena Parish: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.7% from $302K (2025Q4) to $322K (2026Q1).
- Net-worth ratio shifted -0.33 pp (10.68% → 10.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.35% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.0 pts
Call Report ratios for St. Helena Parish
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.35% | -12.58 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.71% | +0.49 pp |
| Member Growth | 10.00% | - |
| Loan-to-Share Ratio | 56.53% | +3.83 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $322K | - |
| 2025Q4 | $302K | 154 |
| 2024Q4 | $269K | 140 |
| 2023Q4 | $304K | 164 |
Credit Union Details
- Charter Number
- 66296
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, St. Helena Parish runs 2 offices.
| Office | City |
|---|---|
| St Helena Parish Credit Union (Main Office) | Chicago, IL |
| St. Helena Parish Credit Union | Chicago, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
St. Helena Parish nationwide neighbourhoods
St. Helena Parish's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- St. Helena Parish ranks #203 of 4,374 nationally on financial health and #7 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Jude is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Jude
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 St. Helena Parish financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, St. Helena Parish carries a financial health score of 97/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #203 of 4,374; by total assets it ranks #4,332 of 4,374 nationally (same basis as /rankings/largest); and #186 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.35% net worth ratio and a 0.00% delinquency rate.
How does St. Helena Parish compare to other credit unions?
Five weighted metrics from NCUA filings produce St. Helena Parish's 97/100 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. Helena Parish?
Membership eligibility for St. Helena 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. Helena Parish directly for current membership requirements and application steps.
Is my money safe at St. Helena Parish?
Federal credit unions like St. Helena 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. Helena Parish's net worth ratio of 10.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. Helena Parish offer compared to banks?
Credit unions like St. Helena 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. Helena Parish 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.