State credit union · Cincinnati, Ohio · NCUA charter #62624
St. James Parish
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $6.0M
- Total assets
- 808
- Members
- 22.3%
- Net-worth ratio
St. James Parish scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.0M; members 808; net-worth ratio 22.26%; health rank #216 of 4,374; healthier than 93rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#216 of 4,374 health · 2025Q4St. James Parish · health 96/100 · $6.0M · 2025Q4
- CHARTER 96/100
- NCUSIF 22.3%
- CAMELS 0.46%
- HEALTH 0.93%
- NW $6.0M
- DELQ 808
- ROA #216/4,374
- ASSETS n/a
- MEM 62624
Call Report peers
St. James Parish carries $6.0M 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. James 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
96 Top 7% higher than 93% 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. James Parish - Share Insurance Coverage
Charter #62624's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
St. James Parish: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 85.00% here, 63.60% peer average (+21.40 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
St. James Parish in Ohio
- In Ohio, health place is #10 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #176 of 196.
- Ohio membership ordinal: #172 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How St. James Parish's 5300 filing moved
St. James Parish: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.5% from $6.0M (2025Q4) to $5.7M (2026Q1).
- Net-worth ratio shifted +1.32 pp (20.94% → 22.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 22.26% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 14.9 pts
St. James Parish vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.26% | +3.20 pp |
| Delinquency Rate | 0.46% | -1.35 pp |
| Return on Assets | 0.93% | +0.47 pp |
| Member Growth | 1.76% | - |
| Loan-to-Share Ratio | 85.00% | +21.40 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
St. James Parish filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.7M | - |
| 2025Q4 | $6.0M | 808 |
| 2024Q4 | $5.9M | 794 |
| 2023Q4 | $5.8M | 818 |
Credit Union Details
- Charter Number
- 62624
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Ohio
- City
- Cincinnati
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, St. James Parish runs one office.
| Office | City |
|---|---|
| St. James Parish Credit Union (Main Office) | Cincinnati, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for St. James Parish - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- St. James Parish ranks #216 of 4,374 nationally on financial health and #10 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Paschal Baylons is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Paschal Baylons
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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. James Parish financially healthy?
Yes/no aside, the number is 96/100 (Excellent) - St. James Parish's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #216 of 4,374; by total assets it ranks #3,795 of 4,374 nationally (same basis as /rankings/largest); and #176 of 196 within Ohio. Above 80 reads excellent, below 50 warrants closer monitoring; a 22.26% net worth ratio and 0.46% delinquency rate are the key drivers.
How does St. James Parish compare to other credit unions?
PlainCU's health composite puts St. James Parish at 96/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 St. James Parish?
Membership eligibility for St. James 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. James Parish directly for current membership requirements and application steps.
Is my money safe at St. James Parish?
Federal credit unions like St. James 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. James Parish's net worth ratio of 22.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. James Parish offer compared to banks?
Credit unions like St. James 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. James 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.