State credit union · Fairfield, Vermont · NCUA charter #65091
St. Patrick's Parish
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $584K
- Total assets
- 312
- Members
- 5.7%
- Net-worth ratio
St. Patrick's Parish scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $584K; members 312; net-worth ratio 5.67%; health rank #3,736 of 4,374; healthier than 15th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,736 of 4,374 health · 2025Q4St. Patrick's Parish · health 68/100 · $584K · 2025Q4
- CHARTER 68/100
- NCUSIF 5.7%
- CAMELS 1.27%
- HEALTH 0.40%
- NW $584K
- DELQ 312
- ROA #3,736/4,374
- ASSETS n/a
- MEM 65091
Call Report peers
St. Patrick's Parish carries $584K 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. Patrick's Parish 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
68 15th percentile higher than 15% 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. 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: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 77.86% here, 52.70% peer average (+25.16 pp).
- Widest shortfall vs peers is Net Worth Ratio: -17.26 pp (5.67% vs 22.93%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Vermont standing for St. Patrick's Parish
- In Vermont, health place is #10 of 14 on the same NCUA-ratio sort used nationally.
- Vermont assets place: #14 of 14.
- Membership ranks #14 of 14 among Vermont CUs with a reported count (312 members).
In-state ordinals use the live credit_unions table for VT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for St. Patrick's Parish
St. Patrick's Parish: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -8.7% from $584K (2025Q4) to $533K (2026Q1).
- Net-worth ratio shifted -0.44 pp (6.11% → 5.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This institution's 5.67% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
How the 68/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- Net Worth Ratio 14.2 pts
- Delinquency Rate 18.0 pts
- Return on Assets 13.4 pts
- Member Growth 7.3 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 5.67% | -17.26 pp |
| Delinquency Rate | 1.27% | -3.21 pp |
| Return on Assets | 0.40% | +0.18 pp |
| Member Growth | -0.95% | - |
| Loan-to-Share Ratio | 77.86% | +25.16 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).
Call Report history - St. Patrick's Parish
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $533K | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for St. Patrick's Parish.
| Office | City |
|---|---|
| Main (Main Office) | Fairfield, VT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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–$10M66Health
- ORLEX GOVERNMENT EMPLOYEESNewport, VT · $2M–$10M77Health
- CENTRAL VERMONT MEDICAL CENTER,INC.BARRE, VT · $10M–$50M54Health
- MEMBERS 1STBrattleboro, VT · $10M–$50M69Health
- NORTHERN LIGHTSSaint Johnsbury, VT · $10M–$50M85Health
Compare St. Patrick's Parish vs NORTHEAST SCHOOLS AND HOSPITAL
Cross-state Call Report peers for St. Patrick's Parish
Cross-state asset and health neighbours for St. Patrick's Parish - kept outside Vermont; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
Using this data
- St. Patrick's Parish ranks #3,736 of 4,374 nationally on financial health and #10 of 14 in VT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northeast Schools and Hospital is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northeast Schools and Hospital
- Rates and health both vary by institution, not just by state -- see how Vermont credit unions compare overall before assuming this one is typical. Vermont 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. Patrick's Parish financially healthy?
A 5.67% net worth ratio and a 1.27% delinquency rate feed into St. Patrick's Parish's financial health score of 68/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,736 of 4,374; by total assets it ranks #4,286 of 4,374 nationally (same basis as /rankings/largest); and #14 of 14 within Vermont. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does St. Patrick's Parish compare to other credit unions?
68/100 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 5.67% 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.
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.