State credit union · Chicago, Illinois · NCUA charter #61566
St. Mark
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $505K
- Total assets
- 167
- Members
- 21.5%
- Net-worth ratio
St. Mark scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $505K; members 167; net-worth ratio 21.52%; health rank #2,685 of 4,374; healthier than 36th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,685 of 4,374 health · 2025Q4St. Mark · health 80/100 · $505K · 2025Q4
- NCUSIF 80/100
- CAMELS 21.5%
- HEALTH 0.00%
- NW 0.94%
- DELQ $505K
- ROA 167
- ASSETS #2,685/4,374
- MEM n/a
- RANK 61566
Call Report peers
St. Mark carries $505K 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. Mark 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
80 36th percentile higher than 36% 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. Mark - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #61566. See our deposit-insurance coverage note.
Peer-gap read for St. Mark
- Strongest edge vs 243 Under $2M peers is Delinquency Rate: -4.48 pp (0.00% vs 4.48%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -26.71 pp (25.99% vs 52.70%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where St. Mark sits in Illinois
- Health composite ranks #120 of 192 among scored Illinois credit unions.
- Assets rank #177 of 192 inside Illinois ($505K reported).
- Member book place in Illinois: #180 of 192.
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. Mark: 2025Q4 → 2026Q1
St. Mark: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.2% from $505K (2025Q4) to $526K (2026Q1).
- Net-worth ratio shifted -2.03 pp (23.55% → 21.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
21.52% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.8 pts
- Loan-to-Share Ratio 8.2 pts
Call Report ratios for St. Mark
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.52% | -1.41 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.94% | +0.72 pp |
| Member Growth | -4.02% | - |
| Loan-to-Share Ratio | 25.99% | -26.71 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).
Call Report history - St. Mark
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $526K | - |
| 2025Q4 | $505K | 167 |
| 2024Q4 | $501K | 174 |
| 2023Q4 | $535K | 188 |
Credit Union Details
- Charter Number
- 61566
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for St. Mark.
| Office | City |
|---|---|
| CU Office (Main Office) | Chicago, IL |
| Vital Records | Chicago, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near St. Mark
Cross-state asset and health neighbours for St. Mark - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- St. Mark ranks #2,685 of 4,374 nationally on financial health and #120 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Unified Homeowners of Illinois is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Unified Homeowners of Illinois
- 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. Mark financially healthy?
St. Mark has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,685 of 4,374; by total assets it ranks #4,295 of 4,374 nationally (same basis as /rankings/largest); and #177 of 192 within Illinois. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 21.52% and delinquency rate of 0.00%.
How does St. Mark compare to other credit unions?
Five weighted metrics from NCUA filings produce St. Mark's 80/100 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. Mark?
Membership eligibility for St. Mark depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact St. Mark directly for current membership requirements and application steps.
Is my money safe at St. Mark?
Federal credit unions like St. Mark 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. Mark's net worth ratio of 21.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. Mark offer compared to banks?
Credit unions like St. Mark 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. Mark 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.