Federal credit union · Chicago, Illinois · NCUA charter #14058
St. Martin De Porres Parish
Health score 72/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $371K
- Total assets
- 152
- Members
- 14.8%
- Net-worth ratio
St. Martin De Porres Parish - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #14058: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
St. Martin De Porres Parish - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)67
- Member growth0
- Liquidity (loan-to-share)50
Weighted composite: 72/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.83%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.83% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.17% | 15% |
| Member Growth | -7.88% | 15% |
| Loan-to-Share Ratio | 16.17% | 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 | $371K | 152 |
| 2024Q4 | $420K | 165 |
| 2023Q4 | $434K | 160 |
Credit Union Details
- Charter Number
- 14058
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
What This Data Says About St. Martin De Porres Parish
152 members and $371K in total assets sit behind St. Martin De Porres Parish, a federal credit union in Chicago, Illinois, which posts a health score of 72/100 (Very Good) on the five-factor composite, with $51K in outstanding loans as of Q4 2025 and a net worth ratio of 14.83% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #14058 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.00% measures loans 60+ days past due against total loans outstanding - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. The loan-to-share ratio of 16.17% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.17% on net income of $614 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 -7.88%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
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. Martin De Porres Parish financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, St. Martin De Porres Parish carries a financial health score of 72/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.83% net worth ratio and a 0.00% delinquency rate.
How does St. Martin De Porres Parish compare to other credit unions?
St. Martin De Porres Parish scores 72/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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. Martin De Porres Parish?
St. Martin De Porres Parish operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact St. Martin De Porres Parish directly for the exact boundaries and application steps.
Is my money safe at St. Martin De Porres Parish?
Federal credit unions like St. Martin De Porres 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. Martin De Porres Parish's net worth ratio of 14.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. Martin De Porres Parish offer compared to banks?
Credit unions like St. Martin De Porres 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. Martin De Porres 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.