Credit Union Safety Analysis
Is Patriot Credit Union Safe? Oakville, Missouri
Based on its Q2 2026 NCUA 5300 call report, Patriot Credit Union has a net worth ratio of 8.36%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.69%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Patriot Credit Union's net worth ratio is 8.36%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.36%
- Delinquency ratio (60+ days) (Q2 2026): 0.69%
- Return on assets (Q2 2026): 0.54%
- Loan-to-share ratio (Q2 2026): 84.52%
Patriot Credit Union (NCUA charter 64856, established 1958) reported $16.4M in assets and 1,539 members for Q2 2026 from Oakville, Missouri. It ranks 64 of 85 credit unions in Missouri by total assets. Total assets fell 1.3% from $16.6M on June 30, 2025. It has 4 more members than on June 30, 2025 (+0.3%). Its net worth ratio was up 0.60 percentage points from 7.76% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $5.5M of $12.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.69% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 8.35% for Q1 2026; 7.76% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.96% for Q1 2026; 2.21% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.84% for Q1 2026; 0.73% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 90.75% for Q1 2026; 89.56% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $5.5M
- Used vehicle loans: $4.0M
- New vehicle loans: $2.1M
- Other secured non-real estate loans and lines of credit: $765K
- Other unsecured loans and lines of credit: $261K
- Commercial loans: $73K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $16.4M | 8.36% | 0.69% | 0.54% | 84.52% |
| March 31, 2026 | $15.9M | 8.35% | 1.96% | 0.84% | 90.75% |
| December 31, 2025 | $16.6M | 7.73% | 1.59% | 0.62% | 90.28% |
| September 30, 2025 | $16.3M | 7.79% | 1.29% | 0.57% | 95.74% |
| June 30, 2025 | $16.6M | 7.76% | 2.21% | 0.73% | 89.56% |
| March 31, 2025 | $15.1M | 8.30% | 0.72% | 0.67% | 97.76% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 64856) · FFIEC NIC profile (RSSD 249395)
Frequently asked questions
Is Patriot Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Patriot Credit Union's net worth ratio is 8.36%, above the 7% NCUA threshold for well capitalized.
Is Patriot Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Patriot Credit Union is a federally insured credit union (NCUA charter 64856): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Patriot Credit Union's key safety ratios?
For Q2 2026, Patriot Credit Union reports net worth 8.36%, delinquency 0.69%, ROA 0.54%, loan-to-share 84.52%.
What happens to my money if Patriot Credit Union fails?
For Q2 2026, Patriot Credit Union held $15.0M in shares and deposits for 1,539 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.