Federal credit union · Missoula, Montana · NCUA charter #19017
St. Pats Employees
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $5.5M
- Total assets
- 658
- Members
- 12.3%
- Net-worth ratio
St. Pats Employees scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.5M; members 658; net-worth ratio 12.35%; health rank #3,274 of 4,374; healthier than 24th of scored peers.
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NCUA 5300 Call Report Masthead
#3,274 of 4,374 health · 2025Q4St. Pats Employees · health 75/100 · $5.5M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
St. Pats Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); St. Pats Employees sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where St. Pats Employees diverges from peer averages
- Return on Assets leads the peer set - 0.59% here, 0.45% peer average (+0.14 pp).
- Largest lag: Loan-to-Share Ratio at 43.08% vs peer 63.60% (-20.52 pp).
St. Pats Employees: in-state Call Report ranks
- In Montana, health place is #37 of 41 on the same NCUA-ratio sort used nationally.
- Montana assets place: #36 of 41.
- Montana membership ordinal: #36 of 41.
- One place up in Montana, INTREPID (#36) scores 79/100, 4 points higher; one place down, BADLANDS (#38) scores 69/100, 6 points lower.
How St. Pats Employees's 5300 filing moved
St. Pats Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.8% from $5.5M (2025Q4) to $5.5M (2026Q1).
- Net-worth ratio shifted +0.33 pp (12.02% → 12.35%).
12.35% 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
St. Pats Employees gives up 25 points in total. Delinquency Rate costs the most, 10.3 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.7 pts
- Return on Assets 15.0 pts
- Member Growth 5.3 pts
- Loan-to-Share Ratio 10.0 pts
St. Pats Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.35% | -6.71 pp |
| Delinquency Rate | 1.70% | -0.11 pp |
| Return on Assets | 0.59% | +0.14 pp |
| Member Growth | -2.08% | - |
| Loan-to-Share Ratio | 43.08% | -20.52 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
St. Pats Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.5M | - |
| 2025Q4 | $5.5M | 658 |
| 2024Q4 | $5.5M | 672 |
| 2023Q4 | $5.4M | 684 |
Credit Union Details
- Charter Number
- 19017
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Montana
- City
- Missoula
- Data Quarter
- 2025Q4
Branch Location
St. Pats Employees operates a single office in Missoula, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| St. Pat's Employees Federal Credit Union (Main Office) | Missoula, MT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Montana
More federally-insured credit unions based in Montana, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- St. Pats Employees ranks #3,274 of 4,374 nationally on financial health and #37 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- M D U Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with M D U Employees
Frequently Asked Questions
Is St. Pats Employees financially healthy?
St. Pats Employees has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,274 of 4,374 nationally on health and #37 of 41 in Montana. Its net worth ratio is 12.35% and its delinquency rate 1.70%.
How does St. Pats Employees compare to other credit unions?
St. Pats Employees scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is return on assets (0.59% vs 0.45%). Its widest shortfall is loan-to-share ratio (43.08% vs 63.60%).
How can I join St. Pats Employees?
St. Pats Employees 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. Pats Employees directly for the exact boundaries and application steps.
Is my money safe at St. Pats Employees?
St. Pats Employees is a federal 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. Pats Employees's net worth ratio of 12.35% exceeds 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.