State credit union · CHICAGO, Illinois · NCUA charter #65484
St. Jude
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $297K
- Total assets
- 72
- Members
- 34.4%
- Net-worth ratio
St. Jude scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $297K; members 72; net-worth ratio 34.43%; health rank #3,140 of 4,374; healthier than 26th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,140 of 4,374 health · 2025Q4St. Jude · health 76/100 · $297K · 2025Q4
- CAMELS 76/100
- HEALTH 34.4%
- NW 0.00%
- DELQ 0.86%
- ROA $297K
- ASSETS 72
- MEM #3,140/4,374
- RANK n/a
- PHOTO 65484
St. Jude carries $297K 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. Jude 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
76 26th percentile higher than 26% 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. Jude - Share Insurance Coverage
Charter #65484'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.
Peer-gap read for St. Jude
- Largest favorable gap: Net Worth Ratio at 34.43% vs peer 22.93% (+11.50 pp).
- Largest lag: Loan-to-Share Ratio at 3.20% vs peer 52.70% (-49.50 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where St. Jude sits in Illinois
- Illinois health ordinal: #140 of 192.
- Assets rank #187 of 192 inside Illinois ($297K reported).
- Membership ranks #192 of 192 among Illinois CUs with a reported count (72 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. Jude: 2024Q4 → 2025Q4
St. Jude: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved +18.5% from $251K (2024Q4) to $297K (2025Q4).
- Membership moved -27.3% from 99 to 72 over the same window.
- Net-worth ratio shifted +4.70 pp (29.73% → 34.43%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
34.43% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 6.0 pts
St. Jude vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 34.43% | +11.50 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.86% | +0.64 pp |
| Member Growth | -27.27% | - |
| Loan-to-Share Ratio | 3.20% | -49.50 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 |
|---|---|---|
| 2025Q4 | $297K | 72 |
| 2024Q4 | $251K | 99 |
| 2023Q4 | $346K | 99 |
Credit Union Details
- Charter Number
- 65484
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Illinois
- City
- CHICAGO
- Data Quarter
- 2025Q4
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
St. Jude nationwide neighbourhoods
St. Jude'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 (76/100 here).
Using this data
- St. Jude ranks #3,140 of 4,374 nationally on financial health and #140 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Helena Parish is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Helena Parish
- 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. Jude financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, St. Jude carries a financial health score of 76/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,140 of 4,374; by total assets it ranks #4,333 of 4,374 nationally (same basis as /rankings/largest); and #187 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 34.43% net worth ratio and a 0.00% delinquency rate.
How does St. Jude compare to other credit unions?
PlainCU's health composite puts St. Jude at 76/100, compared to a peer group average for Under $2M 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. Jude?
Membership eligibility for St. Jude depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact St. Jude directly for current membership requirements and application steps.
Is my money safe at St. Jude?
Federal credit unions like St. Jude 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. Jude's net worth ratio of 34.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. Jude offer compared to banks?
Credit unions like St. Jude 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. Jude 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.