St. Patrick'S Parish Credit Union
Fairfield, VT·Charter 65091·cu:65091·Credit union RBC / net worth
Performance over time
6 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at St. Patrick'S Parish Credit Union
5 of 17 FORFI signals stand out against 2507 similar credit unions, based on NCUA data for the quarter.
Net worth ratio falling while the peer median risesWorth a look: Capital5.67%peers 14.28%-8.6 pp
St. Patrick'S Parish Credit Union's net worth ratio fell 6.7 percentage points over the past year to 5.67%. Among 2500 similar credit unions, the median rose 0.5 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 5.67% | 14.28% | -8.6 pp |
| 12-month change | ||
| -6.7 pp | +0.5 pp | -7.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. St. Patrick'S Parish Credit Union itself is left out of every peer median and percentile. How signals work
Share and deposit costs among the lowest of similar credit unionsStrength: Funding0.00%peers 0.90%-90 bps
St. Patrick'S Parish Credit Union's cost of all shares and deposits was 0.00%, compared with a median of 0.90% among 2505 similar credit unions: lower than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 0.00% | 0.90% | -90 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. St. Patrick'S Parish Credit Union itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the lowest of similar credit unionsWorth a look: Earnings0.00%peers 0.55%-55 bps
St. Patrick'S Parish Credit Union's noninterest income relative to average assets was 0.00%, compared with a median of 0.55% among 2507 similar credit unions: lower than 97% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 0.00% | 0.55% | -55 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. St. Patrick'S Parish Credit Union itself is left out of every peer median and percentile. How signals work
Delinquent loans rising while the peer median holds steadyWorth a look: Asset quality2.76%peers 0.65%+212 bps
St. Patrick'S Parish Credit Union's loans 60+ days delinquent as a share of loans rose 276 bps over the past year to 2.76%. Among 2488 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Loans 60+ days delinquent as a share of loans | ||
| 2.76% | 0.65% | +212 bps |
| 12-month change | ||
| +276 bps | 0 bps | +276 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. St. Patrick'S Parish Credit Union itself is left out of every peer median and percentile. How signals work
1 more observation
- Return on assets falling faster than peersEarnings
Key facts
- St. Patrick'S Parish Credit Union is a state-chartered credit union headquartered in Fairfield, Vermont. It reported $532,840 in total assets for the quarter ended March 31, 2026.
- Shares and deposits totaled $502,603, down 0.0% from a year earlier, and loans totaled $416,848, down 14.3%.
- Its net interest margin on average assets was 3.40% and its annualized return on assets was -3.98% for the quarter.
- Its cost of all shares and deposits was 0.00%, compared with a median of 0.90% among 2505 similar credit unions with under $100 million in assets.
- It served 290 members, down 7.6% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With St. Patrick'S Parish Credit Union's own data, FORFI would look at: Which balance-sheet segments consume or release capital, relationship by relationship.
Analysis workspaces
Sources and identifiers
- Institution
- St. Patrick'S Parish Credit Union · Credit union
- NCUA charter
- 65091
- Reporting period
- Peer group
- 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. St. Patrick'S Parish Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-01-01 through 2026-03-31 · Annualization factor 4.055556 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| -$5.48K | |
| $4.69K | |
| $0 | |
| $4.69K | |
| $0 | |
| $10.17K | |
| $0 | |
| — | |
| -3.98% | |
| 3.40% | |
| 216.99% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-14T14:00:24.523718+00:00. Separate reference provenance is included in the export.