St. Pats Employees

Missoula, MT · 1 · Charter #19017 · www.StPatsCU.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$5.5M
27th percentile
Members
658
23th percentile
Total loans
$2.1M
23th percentile
Total shares
$4.9M
29th percentile

Profitability

Return on assets
1.20%
68th percentile
Net interest margin
2.66%
12th percentile
Efficiency ratio
39.20%
93th percentile
Non-interest income ratio
0.65%
11th percentile

Capital & Risk

Net worth ratio
12.02%
31th percentile
Delinquency rate
1.70%
28th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
43.08%
25th percentile

Growth

Member growth YoY
-2.08%
43th percentile
Asset growth YoY
0.69%
47th percentile
Loan growth YoY
-13.43%
15th percentile
Share growth YoY
-0.62%
42th percentile

Operations

Members / branch
658
31th percentile
Assets / member
$8,425
43th percentile
Field of membership penetration
43.87%
60th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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