Credit Union Safety Analysis
Is St. Pius X Church Federal Credit Union Safe? Rochester, New York
Based on its Q2 2026 NCUA 5300 call report, St. Pius X Church Federal Credit Union has a net worth ratio of 9.87%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.54%, 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, St. Pius X Church Federal Credit Union's net worth ratio is 9.87%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.87%
- Delinquency ratio (60+ days) (Q2 2026): 2.54%
- Return on assets (Q2 2026): 0.38%
- Loan-to-share ratio (Q2 2026): 70.70%
St. Pius X Church Federal Credit Union (NCUA charter 18090, established 1967) reported $97.5M in assets and 5,009 members for Q2 2026 from Rochester, New York. It ranks 92 of 267 credit unions in New York by total assets. Total assets grew 3.3% from $94.5M on June 30, 2025. It has 297 fewer members than on June 30, 2025 (-5.6%). Its net worth ratio was down 0.04 percentage points from 9.91% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $32.2M of $62.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.54% is above 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: 9.71% for Q1 2026; 9.91% 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: 1.34% for Q1 2026; 0.89% 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: 0.31% for Q1 2026; 0.32% 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: 67.71% for Q1 2026; 72.50% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $32.2M
- Used vehicle loans: $12.6M
- Non-federally guaranteed student loans: $6.2M
- Commercial loans: $3.5M
- New vehicle loans: $3.3M
- Other unsecured loans and lines of credit: $2.0M
- Unsecured credit card loans: $1.3M
- Other secured non-real estate loans and lines of credit: $1.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $97.5M | 9.87% | 2.54% | 0.38% | 70.70% |
| March 31, 2026 | $98.2M | 9.71% | 1.34% | 0.31% | 67.71% |
| December 31, 2025 | $96.3M | 9.82% | 1.78% | 0.24% | 69.47% |
| September 30, 2025 | $95.8M | 9.90% | 1.24% | 0.52% | 70.74% |
| June 30, 2025 | $94.5M | 9.91% | 0.89% | 0.32% | 72.50% |
| March 31, 2025 | $94.7M | 9.81% | 0.72% | 0.19% | 72.37% |
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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.
St. Pius X Church Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 18090) · FFIEC NIC profile (RSSD 680886)
Frequently asked questions
Is St. Pius X Church Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, St. Pius X Church Federal Credit Union's net worth ratio is 9.87%, above the 7% NCUA threshold for well capitalized.
Is St. Pius X Church Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. St. Pius X Church Federal Credit Union is a federally insured credit union (NCUA charter 18090): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are St. Pius X Church Federal Credit Union's key safety ratios?
For Q2 2026, St. Pius X Church Federal Credit Union reports net worth 9.87%, delinquency 2.54%, ROA 0.38%, loan-to-share 70.70%.
What happens to my money if St. Pius X Church Federal Credit Union fails?
For Q2 2026, St. Pius X Church Federal Credit Union held $87.9M in shares and deposits for 5,009 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.