Federal credit union · CRAIG, Colorado · NCUA charter #11340
St. Michaels
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $994K
- Total assets
- 187
- Members
- 12.4%
- Net-worth ratio
St. Michaels scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $994K; members 187; net-worth ratio 12.45%; health rank #2,106 of 4,374; healthier than 50th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,106 of 4,374 health · 2025Q4St. Michaels · health 84/100 · $994K · 2025Q4
- PHOTO 84/100
- BOOK 12.4%
- CHARTER 0.00%
- NCUSIF 0.32%
- CAMELS $994K
- HEALTH 187
- NW #2,106/4,374
- DELQ n/a
- ROA 11340
Call Report peers
St. Michaels carries $994K 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. Michaels 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
84 Top 50% higher than 50% 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. 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.
Where St. Michaels diverges from peer averages
- Delinquency Rate leads the peer set - 0.00% here, 4.48% peer average (-4.48 pp).
- Largest lag: Net Worth Ratio at 12.45% vs peer 22.93% (-10.48 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. Michaels sits in Colorado
- Colorado health ordinal: #31 of 66.
- Assets rank #65 of 66 inside Colorado ($994K reported).
- Colorado membership ordinal: #66 of 66.
In-state ordinals use the live credit_unions table for CO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
St. Michaels: 2025Q4 → 2026Q1
St. Michaels: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.4% from $994K (2025Q4) to $980K (2026Q1).
- Net-worth ratio shifted +0.59 pp (11.86% → 12.45%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.45% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.2 pts
- Member Growth 7.1 pts
- Loan-to-Share Ratio 9.7 pts
St. Michaels vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.45% | -10.48 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.32% | +0.09 pp |
| Member Growth | -1.06% | - |
| Loan-to-Share Ratio | 45.88% | -6.82 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).
St. Michaels quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $980K | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for St. Michaels.
| Office | City |
|---|---|
| office (Main Office) | Craig, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
Other federally-insured credit unions in Colorado, closest first by peer group and asset size.
St. Michaels nationwide neighbourhoods
Cross-state asset and health neighbours for St. Michaels - kept outside Colorado; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- St. Michaels ranks #2,106 of 4,374 nationally on financial health and #31 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AKRON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AKRON
- Rates and health both vary by institution, not just by state -- see how Colorado credit unions compare overall before assuming this one is typical. Colorado 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. Michaels financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, St. Michaels carries a financial health score of 84/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,106 of 4,374; by total assets it ranks #4,238 of 4,374 nationally (same basis as /rankings/largest); and #65 of 66 within Colorado. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.45% 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 84/100 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 12.45% 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.
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.