Patriot Credit Union (NCUA charter #64856) is based in Saint Louis, Missouri. Its Q2 2026 call report shows $16.4M in total assets and $15.0M in member shares and deposits and 1 office.
Patriot Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 64th. Problem-loan coverage contributes the most (87/100, 6.4%); capital cushion contributes the least (34/100, 8.36%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 19 points (40 → 59), mostly because the loan quality component improved by 51 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 59 |
| Q4 2024 | 60 |
| Q1 2025 | 56 |
| Q2 2025 | 40 |
| Q3 2025 | 49 |
| Q4 2025 | 46 |
| Q1 2026 | 46 |
| Q2 2026 | 59 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.66% |
| Q3 2024 | 8.00% |
| Q4 2024 | 8.31% |
| Q1 2025 | 8.30% |
| Q2 2025 | 7.76% |
| Q3 2025 | 7.79% |
| Q4 2025 | 7.73% |
| Q1 2026 | 8.35% |
| Q2 2026 | 8.36% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.75% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.72% |
| Q2 2025 | 2.21% |
| Q3 2025 | 1.29% |
| Q4 2025 | 1.59% |
| Q1 2026 | 1.96% |
| Q2 2026 | 0.69% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 1.13% |
| Q4 2024 | 0.91% |
| Q1 2025 | 0.67% |
| Q2 2025 | 0.67% |
| Q3 2025 | 0.64% |
| Q4 2025 | 0.63% |
| Q1 2026 | 0.84% |
| Q2 2026 | 0.68% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $16.4M | 8.36% | 0.69% | 0.68% | 84.5% |
| Q1 2026 | 46 | $15.9M | 8.35% | 1.96% | 0.84% | 90.8% |
| Q4 2025 | 46 | $16.6M | 7.73% | 1.59% | 0.63% | 90.3% |
| Q3 2025 | 49 | $16.3M | 7.79% | 1.29% | 0.64% | 95.7% |
| Q2 2025 | 40 | $16.6M | 7.76% | 2.21% | 0.67% | 89.6% |
| Q1 2025 | 56 | $15.1M | 8.30% | 0.72% | 0.67% | 97.8% |
| Q4 2024 | 60 | $14.8M | 8.31% | 0.49% | 0.91% | 101.2% |
| Q3 2024 | 59 | $15.2M | 8.00% | 0.75% | 1.13% | 97.2% |
| Q2 2024 | 59 | $15.4M | 7.66% | 0.72% | 1.15% | 94.2% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Independence Teachers Credit UnionCredit union Independence, MO | 92 out of 100, Very strong | $16.5M | 15.5% | 0.03% | vs |
| Catholic Family Credit UnionCredit union Kansas City, MO | 45 out of 100, Below average | $16.5M | 9.0% | 2.59% | vs |
| Burlington Northtown Community Credit UnionCredit union North Kansas Ci, MO | 85 out of 100, Very strong | $16.2M | 20.5% | 1.09% | vs |
| Stationery Credit UnionCredit union Saint Joseph, MO | 72 out of 100, Strong | $17.0M | 13.8% | 0.96% | vs |
| Division #6 Highway Credit UnionCredit union Chesterfield, MO | 88 out of 100, Very strong | $15.7M | 17.9% | 0.24% | vs |
| Academic Employees Credit UnionCredit union Columbia, MO | 64 out of 100, Moderate | $17.2M | 7.5% | 0.90% | vs |
Deposit insurance
Is my money safe at Patriot Credit Union?
Yes. Patriot Credit Union is a federally insured credit union (NCUA charter #64856). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 2.6% of shares and deposits ($386K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 8.36%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Patriot Credit Union lists 1 office in 1 city. Most locations:
- Saint Louis, MO (1)
Identity & history
Profile
- Legal name
- Patriot Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 64856
- RSSD ID
- 249395
- Primary regulator
- State + NCUA
- Established
- 1958
- Headquarters
- 4343 Telegraph Rd, Patriot Credit U, Saint Louis, MO 63129
- Employees
- 6
Quick answers
Patriot Credit Union: common questions
Is Patriot Credit Union NCUA insured?
Yes. Patriot Credit Union is a federally insured credit union (NCUA charter #64856). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Patriot Credit Union's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Patriot Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Saint Louis
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Edward Jones Trust CompanyBank Saint Louis, MO | 94 out of 100, Very strong | $160.5M | 98.2% | 0.00% | vs |
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Co - Lib Credit UnionCredit union Saint Louis, MO | 91 out of 100, Very strong | $1.4M | 15.5% | 0.82% | vs |
| Division #6 Highway Credit UnionCredit union Chesterfield, MO | 88 out of 100, Very strong | $15.7M | 17.9% | 0.24% | vs |
| Century Credit UnionCredit union Saint Louis, MO | 87 out of 100, Very strong | $182.0M | 17.6% | 0.37% | vs |
| Town & Country BankBank Salem, MO | 86 out of 100, Very strong | $747.7M | 12.4% | 0.35% | vs |