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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,274 of 4,374 health · 2025Q4St. Pats Employees · health 75/100 · $5.5M · 2025Q4
- ASSETS 75/100
- MEM 12.3%
- RANK 1.70%
- PHOTO 0.59%
- BOOK $5.5M
- CHARTER 658
- NCUSIF #3,274/4,374
- CAMELS n/a
- HEALTH 19017
Call Report peers
St. Pats Employees carries $5.5M 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. Pats Employees 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. Pats Employees - Share Insurance Coverage
Charter #19017's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How St. Pats Employees's 5300 filing moved
St. Pats Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.8% from $5.5M (2025Q4) to $5.5M (2026Q1).
- Net-worth ratio shifted +0.33 pp (12.02% → 12.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- 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 |
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).
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
Two NCUA Call Report peer sets for St. Pats Employees, both outside Montana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Montana credit unions compare overall before assuming this one is typical. Montana 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. Pats Employees financially healthy?
St. Pats Employees 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 #3,274 of 4,374; by total assets it ranks #3,837 of 4,374 nationally (same basis as /rankings/largest); and #36 of 41 within Montana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.35% and delinquency rate of 1.70%.
How does St. Pats Employees compare to other credit unions?
75/100 is St. Pats Employees's score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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. 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?
Federal credit unions like St. Pats Employees 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. Pats Employees's net worth ratio of 12.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. Pats Employees offer compared to banks?
Credit unions like St. Pats Employees 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. Pats Employees 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.