ST. PATRICK'S PARISH
Charter #65091 · Fairfield, VT · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 290 sits at the 16th percentile of structural peers — worth a closer look.
- Net worth ratio of 5.67% sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of -3.93% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 3.36% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ST. PATRICK'S PARISH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 532,840 | 10th pct | 7th pct |
| Members | 290 | 24th pct | 16th pct |
| Net worth ratio | 5.67% | 2th pct | 7th pct |
| Return on average assets | -3.93% | 6th pct | 10th pct |
| Net interest margin | 3.36% | 28th pct | 11th pct |
| Cost of funds | 0.00% | 0th pct | 2th pct |
| Loan-to-share | 82.94% | 81th pct | 67th pct |
| Delinquency 60+ days | 2.76% | 75th pct | 70th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | -11.16% | 23th pct | 13th pct |
| Share growth YoY | -0.35% | 46th pct | 56th pct |
| Efficiency ratio | 216.99% | 97th pct | 98th pct |
structural peer set hash: ee89a16d8db1e7b57b819b598874ba92… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.