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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); St. Patrick's Parish sits in 65-69 with 275 others.
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: 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%).
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).
- One place up in Vermont, Members 1st (#9) scores 69/100, 1 point higher; one place down, Green Mountain (#11) scores 66/100, 2 points lower.
Quarter path for St. Patrick's Parish
St. Patrick's Parish: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -8.7% from $584K (2025Q4) to $533K (2026Q1).
- Net-worth ratio shifted -0.44 pp (6.11% → 5.67%).
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
St. Patrick's Parish gives up 32 points in total. Net Worth Ratio costs the most, 15.8 of its 30; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is St. Patrick's Parish financially healthy?
On its 2025Q4 NCUA 5300 filing, St. Patrick's Parish scores 68/100 (Good), with a 5.67% net worth ratio and 1.27% of loans delinquent. It ranks #3,736 of 4,374 nationally on health and #10 of 14 in Vermont.
How does St. Patrick's Parish compare to other credit unions?
St. Patrick's Parish scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (77.86% vs 52.70%). Its widest shortfall is net worth ratio (5.67% vs 22.93%).
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?
St. Patrick's Parish is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.