Federal credit union · CRAIG, Colorado · NCUA charter #11340
St. Michaels
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $994K
- Total assets
- 187
- Members
- 8.4%
- Net-worth ratio
St. Michaels - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #11340, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
St. Michaels - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)87
- Asset quality (delinquency)100
- Earnings (ROA)82
- Member growth47
- Liquidity (loan-to-share)68
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.39% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.39% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.32% | 15% |
| Member Growth | -1.06% | 15% |
| Loan-to-Share Ratio | 45.88% | 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 | $994K | 187 |
| 2024Q4 | $977K | 189 |
| 2023Q4 | $974K | 190 |
Credit Union Details
- Charter Number
- 11340
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Colorado
- City
- CRAIG
- Data Quarter
- 2025Q4
What This Data Says About St. Michaels
The five-factor composite scores St. Michaels at 80/100 (Excellent), reflecting a net worth ratio of 8.39% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in CRAIG, Colorado, reports 187 members, $994K in total assets, and $402K in outstanding loans as of Q4 2025 under charter #11340 (peer group Under $2M, a cohort of 243 similarly-sized institutions).
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers - and a 45.88% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.32% on net income of $3K 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 -1.06%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Colorado
Other federally-insured credit unions in Colorado, 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. Michaels financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, St. Michaels carries a financial health score of 80/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.39% net worth ratio and a 0.00% delinquency rate.
How does St. Michaels compare to other credit unions?
Five weighted metrics from NCUA filings produce St. Michaels'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. Michaels?
St. Michaels 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. Michaels directly for the exact boundaries and application steps.
Is my money safe at St. Michaels?
Federal credit unions like St. Michaels 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. Michaels's net worth ratio of 8.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. Michaels offer compared to banks?
Credit unions like St. Michaels 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. Michaels 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.