Federal credit union · HIGHLAND HEIGHT, Ohio · NCUA charter #11992
St. Paschal Baylons
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $5.8M
- Total assets
- 258
- Members
- 12.8%
- Net-worth ratio
St. Paschal Baylons scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.8M; members 258; net-worth ratio 12.82%; health rank #3,268 of 4,374; healthier than 24th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,268 of 4,374 health · 2025Q4St. Paschal Baylons · health 75/100 · $5.8M · 2025Q4
- CHARTER 75/100
- NCUSIF 12.8%
- CAMELS 0.00%
- HEALTH 0.00%
- NW $5.8M
- DELQ 258
- ROA #3,268/4,374
- ASSETS n/a
- MEM 11992
Call Report peers
St. Paschal Baylons carries $5.8M 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. Paschal Baylons 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
75 24th percentile higher than 24% 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. Paschal Baylons - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #11992 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
St. Paschal Baylons vs $2M–$10M peers
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 1.81% (-1.81 pp).
- Largest lag: Loan-to-Share Ratio at 6.51% vs peer 63.60% (-57.09 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ohio standing for St. Paschal Baylons
- In Ohio, health place is #150 of 196 on the same NCUA-ratio sort used nationally.
- By total assets, St. Paschal Baylons is #177 of 196 in Ohio.
- Membership ranks #191 of 196 among Ohio CUs with a reported count (258 members).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for St. Paschal Baylons
St. Paschal Baylons: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $5.8M (2025Q4) to $5.8M (2026Q1).
- Net-worth ratio shifted -0.06 pp (12.88% → 12.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.82% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.5 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 6.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.82% | -6.24 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.00% | -0.45 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 6.51% | -57.09 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.8M | - |
| 2025Q4 | $5.8M | 258 |
| 2024Q4 | $5.6M | 258 |
| 2023Q4 | $6.0M | 274 |
Credit Union Details
- Charter Number
- 11992
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Ohio
- City
- HIGHLAND HEIGHT
- Data Quarter
- 2025Q4
Branch Locations (2)
St. Paschal Baylons operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| ST PASCHAL BAYLON FCU (Main Office) | HIGHLAND HEIGHTS, OH |
| OFFICE | HIGHLAND HTS, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Cross-state Call Report peers for St. Paschal Baylons
St. Paschal Baylons's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- St. Paschal Baylons ranks #3,268 of 4,374 nationally on financial health and #150 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. James Parish is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. James Parish
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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. Paschal Baylons financially healthy?
St. Paschal Baylons has a financial health score of 75/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,268 of 4,374; by total assets it ranks #3,813 of 4,374 nationally (same basis as /rankings/largest); and #177 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.82% and delinquency rate of 0.00%.
How does St. Paschal Baylons compare to other credit unions?
PlainCU's health composite puts St. Paschal Baylons at 75/100, compared to a peer group average for $2M–$10M 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. Paschal Baylons?
St. Paschal Baylons 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. Paschal Baylons directly for the exact boundaries and application steps.
Is my money safe at St. Paschal Baylons?
Federal credit unions like St. Paschal Baylons 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. Paschal Baylons's net worth ratio of 12.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. Paschal Baylons offer compared to banks?
Credit unions like St. Paschal Baylons 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. Paschal Baylons 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.