State credit union · Fairfield, Vermont · NCUA charter #65091
St. Patrick's Parish
Health score 54/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $584K
- Total assets
- 312
- Members
- 0.0%
- Net-worth ratio
St. Patrick's Parish - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #65091. See our deposit-insurance coverage note.
St. Patrick's Parish - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)0
- Asset quality (delinquency)72
- Earnings (ROA)90
- Member growth49
- Liquidity (loan-to-share)100
Weighted composite: 54/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 0.03% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 0.03% | 30% |
| Delinquency Rate | 1.27% | 25% |
| Return on Assets | 0.40% | 15% |
| Member Growth | -0.95% | 15% |
| Loan-to-Share Ratio | 77.86% | 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 | $584K | 312 |
| 2024Q4 | $613K | 315 |
| 2023Q4 | $622K | 313 |
Credit Union Details
- Charter Number
- 65091
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Vermont
- City
- Fairfield
- Data Quarter
- 2025Q4
What This Data Says About St. Patrick's Parish
The five-factor composite scores St. Patrick's Parish at 54/100 (Fair), reflecting a net worth ratio of 0.03% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Fairfield, Vermont, reports 312 members, $584K in total assets, and $427K in outstanding loans as of Q4 2025 under charter #65091 (peer group Under $2M, a cohort of 243 similarly-sized institutions).
Deposits deployed into lending sit at a 77.86% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 1.27% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets stands at 0.40% on net income of $2K 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 -0.95%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Vermont
More federally-insured credit unions based in Vermont, ordered by peer group match and asset size.
- NORTHEAST SCHOOLS AND HOSPITALNewport, VT · $2M–$10M58Health
- ORLEX GOVERNMENT EMPLOYEESNewport, VT · $2M–$10M73Health
- CENTRAL VERMONT MEDICAL CENTER,INC.BARRE, VT · $10M–$50M54Health
- MEMBERS 1STBrattleboro, VT · $10M–$50M66Health
- NORTHERN LIGHTSSaint Johnsbury, VT · $10M–$50M85Health
Compare St. Patrick's Parish vs NORTHEAST SCHOOLS AND HOSPITAL
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. Patrick's Parish financially healthy?
A 0.03% net worth ratio and a 1.27% delinquency rate feed into St. Patrick's Parish's financial health score of 54/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does St. Patrick's Parish compare to other credit unions?
54/100 is St. Patrick's Parish's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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. Patrick's Parish?
Membership eligibility for St. Patrick's Parish depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact St. Patrick's Parish directly for current membership requirements and application steps.
Is my money safe at St. Patrick's Parish?
Federal credit unions like St. Patrick's 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. Patrick's Parish's net worth ratio of 0.03% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does St. Patrick's Parish offer compared to banks?
Credit unions like St. Patrick's 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. Patrick's 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.