St. Pats Employees Federal Credit Union (NCUA charter #19017) is based in Missoula, Montana. Its Q2 2026 call report shows $5.4M in total assets and $4.7M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, St. Pats Employees Federal Credit Union scores 77/100, which we describe as strong. That is higher than 57% of 2,479 credit unions with under $100 million in assets. Among 41 credit unions headquartered in Montana, it ranks 15th. Its strongest component is funding & liquidity (100/100; 38% loans-to-deposits, 3% uninsured), and its lowest is earnings (62/100; 1.04%).
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 12 points (65 → 77), mostly because the loan quality component improved by 34 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 47 |
| Q3 2024 | 55 |
| Q4 2024 | 56 |
| Q1 2025 | 68 |
| Q2 2025 | 65 |
| Q3 2025 | 63 |
| Q4 2025 | 69 |
| Q1 2026 | 64 |
| Q2 2026 | 77 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.70% |
| Q3 2024 | 10.63% |
| Q4 2024 | 10.89% |
| Q1 2025 | 11.11% |
| Q2 2025 | 11.50% |
| Q3 2025 | 11.85% |
| Q4 2025 | 12.02% |
| Q1 2026 | 12.35% |
| Q2 2026 | 12.83% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 3.10% |
| Q3 2024 | 2.23% |
| Q4 2024 | 2.22% |
| Q1 2025 | 1.78% |
| Q2 2025 | 2.02% |
| Q3 2025 | 2.36% |
| Q4 2025 | 1.70% |
| Q1 2026 | 2.24% |
| Q2 2026 | 1.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.59% |
| Q1 2025 | 1.51% |
| Q2 2025 | 1.16% |
| Q3 2025 | 1.22% |
| Q4 2025 | 1.20% |
| Q1 2026 | 0.96% |
| Q2 2026 | 1.04% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $5.4M | 12.83% | 1.00% | 1.04% | 37.7% |
| Q1 2026 | 64 | $5.5M | 12.35% | 2.24% | 0.96% | 41.4% |
| Q4 2025 | 69 | $5.5M | 12.02% | 1.70% | 1.20% | 43.1% |
| Q3 2025 | 63 | $5.5M | 11.85% | 2.36% | 1.22% | 43.9% |
| Q2 2025 | 65 | $5.5M | 11.50% | 2.02% | 1.16% | 46.5% |
| Q1 2025 | 68 | $5.6M | 11.11% | 1.78% | 1.51% | 43.8% |
| Q4 2024 | 56 | $5.5M | 10.89% | 2.22% | 0.59% | 49.5% |
| Q3 2024 | 55 | $5.5M | 10.63% | 2.23% | 0.53% | 50.9% |
| Q2 2024 | 47 | $5.4M | 10.70% | 3.10% | 0.47% | 53.3% |
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 Montana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| M D U Employees Federal Credit UnionCredit union Glendive, MT | 84 out of 100, Strong | $4.0M | 17.2% | 0.00% | vs |
| The Morning Star Federal Credit UnionCredit union Lame Deer, MT | 47 out of 100, Below average | $2.2M | 9.9% | 5.89% | vs |
| Tricounty Federal Credit UnionCredit union Harlowton, MT | 66 out of 100, Moderate | $1.7M | 10.2% | 0.00% | vs |
| Froid Federal Credit UnionCredit union Froid, MT | 86 out of 100, Very strong | $1.3M | 12.0% | 0.00% | vs |
| Deer Lodge County School Emp Federal Credit UnionCredit union Anaconda, MT | 95 out of 100, Very strong | $9.7M | 13.7% | 0.00% | vs |
| Northern Montana Hospital Federal Credit UnionCredit union Havre, MT | 73 out of 100, Strong | $982K | 11.7% | 0.00% | vs |
Deposit insurance
Is my money safe at St. Pats Employees Federal Credit Union?
Yes. St. Pats Employees Federal Credit Union is a federally insured credit union (NCUA charter #19017). 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 3.2% of shares and deposits ($149K) 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 12.83%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
St. Pats Employees Federal Credit Union lists 1 office in 1 city. Most locations:
- Missoula, MT (1)
Identity & history
Profile
- Legal name
- St. Pats Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 19017
- RSSD ID
- 138882
- Primary regulator
- NCUA
- Established
- 1968
- Headquarters
- 500 W Broadway St, Missoula, MT 59802
- Employees
- 1
Quick answers
St. Pats Employees Federal Credit Union: common questions
Is St. Pats Employees Federal Credit Union NCUA insured?
Yes. St. Pats Employees Federal Credit Union is a federally insured credit union (NCUA charter #19017). 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 St. Pats Employees Federal Credit Union's TellerScore?
77 out of 100 (Strong), 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 St. Pats Employees Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Missoula
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Clearwater Federal Credit UnionCredit union Missoula, MT | 76 out of 100, Strong | $1.2B | 12.8% | 0.67% | vs |
| Montana Educators' Credit UnionCredit union Missoula, MT | 76 out of 100, Strong | $35.3M | 10.0% | 0.38% | vs |
| Bank of MontanaBank Missoula, MT | 75 out of 100, Strong | $308.6M | 8.9% | 0.00% | vs |
| Horizon Credit UnionCredit union Spokane Valley, WA | 75 out of 100, Strong | $2.0B | 13.1% | 0.27% | vs |
| First Montana Bank, Inc.Bank Missoula, MT | 73 out of 100, Strong | $530.3M | 10.2% | 0.13% | vs |
| Stockman Bank of MontanaBank Miles City, MT | 71 out of 100, Strong | $7.7B | 9.9% | 0.60% | vs |