# PATRIOT
Saint Louis, MO · NCUA charter 64856 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/patriot-64856

Who the members are: state charter, organized 1958. 1,524 members of 60,000 potential (2.5% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $15.9M |
| Members | 1,524 (0.9% YoY) |
| Full-time staff | 2 |
| Net worth | $1.3M |
| Net worth ratio | 8.3% (p7 of band) |
| ROA (annualized) | 0.84% (p63 of band) |
| Total delinquency | 1.96% (p77 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 91% (p91 of band) |
| Cash / assets | 15.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.80% (p47 of band) |
| Operating expense / assets | 3.60% (p48 of band) |
| Vehicles % of loans | 48% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.72% (p76 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 0% |
| Average share balance | $4,853 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $21,187 |
| Loans granted, annualized | $3.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, losing money |  |
| 2016-06 | 1 |  | losing money |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | net worth falling, auto monoline |  |
| 2017-03 | 2 |  | auto monoline |
| 2017-06 | 2 | delinquency rising | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 | members leaving | delinquency rising |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | net worth falling |  |
| 2019-03 | 2 |  | members leaving |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 4 | capital below 7%, net worth falling |  |
| 2020-12 | 2 | margin squeeze | capital below 7%, net worth falling |
| 2021-03 | 5 | capital below 7%, delinquency rising |  |
| 2021-06 | 4 |  | margin squeeze |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 |  | delinquency rising |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 3 |  | delinquency rising |
| 2023-12 | 2 | delinquency rising | capital below 7% |
| 2024-03 | 3 | delinquency 2x band |  |
| 2024-06 | 1 |  | delinquency rising, delinquency 2x band |
| 2024-09 | 3 | members leaving, loans>95% of shares |  |
| 2024-12 | 3 | assets shrinking | members leaving |
| 2025-03 | 2 |  | assets shrinking |
| 2025-06 | 4 | net worth falling, delinquency 2x band, delinquency rising | loans>95% of shares |
| 2025-09 | 3 | loans>95% of shares | net worth falling, delinquency 2x band |
| 2025-12 | 3 | delinquency 2x band | loans>95% of shares |
| 2026-03 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-07 [Semifinal Round of the 2026 PenFed Credit Union Patriot League Men’s Basketball Championship on Sunday (3.7.26) - Patriot League](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPMjRqQlllcVBsa0I1SmtvWXh5VWhsdHgtNDc3ZTRDZVJ0M1g2RjY5Nm9uT04zN1BGU2QxTEZxMENXR0RhejZIUDFuZVpzb1cwQ2xfSmY5U2hSZUZLOUctajRzektRWTd1bmFCdnJqNVlKc0k5Y204aUF4X1FuR3JzU25BUmhmRGxQUzVkRmd5RWcwdG50Sk1sS0VfWVFReDE5dzFPaHZ2WUhfRnJTOUZPVS1CazJ2dlQ4TjFtXzl0WXlHUXJ1b1lUX29Nc25BM0x2R2lULXluTmp1LWxDczlXZXlibk9FcGN4?oc=5) · Patriot League
- 2026-02-18 [Patriot League Announces Boston University at American Men’s Basketball to be Televised on CBS Sports Network - aueagles.com](https://news.google.com/rss/articles/CBMi-AFBVV95cUxOWkFIQVFkMm5sRl9PVnc5eW9iSm5nYUwwVVVCZVhVRkJjQ0MzbEY4b01ZMGlwZmtBc1I4MDRQbjFJdW56blZER0tVdDZRZVp0VTZERzBxeUdYUV8wa0RuV3BWd2NjNUhCT1dELVZsd0VwT01GdlBzajM0UVBxS0tPelNMd0p0NUY2WEJzMUFpQjV2MUt5LWMzcks3ck9JWmNSR1NiRUtyRXltZVRsSnJsSkthQ2VMSlNnT2NUUVdYODhkVnFxTXJuZE5NdVQyMUVFaDJ3QVhXSC1VQThUNnBxaE94ZkFrb2pSYkZDbS04cnlyVUQxQ01kMw?oc=5) · aueagles.com
- 2026-03-08 [No. 2 Lehigh, No. 4 Boston University Advance to 2026 PenFed Credit Union Patriot League Men’s Basketball Championship Game (3.8.26) - Patriot League](https://news.google.com/rss/articles/CBMigAJBVV95cUxQelBuZVk0N042SjJoWXRXbE9sZmFFNUdtRExVN3lrNlFoSmk0aUdxWC03NjN6c2x5MUQxbTBWM1VUczhRQWFlOHl3bTRSYTZaSFVfUFNkNDVtV0t5V1JSMWlZa2k1aUtweVRQRTQ0WERCMkFEVjBtMFdqZXJFUmhTa250cHotSjdIeUl6dzRlNmEtZVJEcUtkaC1lOExwVFJTQ2VTUjhhUUY0Wi1pSW15bmVTYlJFbU9mUWdYeUVnckRRbFpRaFBPZHZvWlRHUGxrNjRpWGZmMnpTdVp2TlRpR1owTU9jRE5fLXd5Zm1FVlp0UmNWcjBZeFNmbl9ZRmxy?oc=5) · Patriot League
- 2026-03-10 [No. 2 Lehigh Hosts No. 4 Boston University in 2026 PenFed Credit Union Patriot League Men’s Basketball Championship Game (3.10.26) - Patriot League](https://news.google.com/rss/articles/CBMigAJBVV95cUxPcFdyQmVFWkY4d19ZZXB2UkJBZUc1MWZsZUp4Wk9JWUxMeGd5TVdZV3FHQ2M0SUdoa0cwQ0dPSk0tbXdyamZHOGEtZlh4bUE2VnVMUXBBTW9POHFOTUNsM0tucUNPanVBazV2ZGQ4STh4N2U0Skl4akhMMlBwRFFOc0oweDZ4QzZuaDhyT212QUlZLTd3dUh5SWxUQ1E3ZXVkSjhUdXBqSW41MFozaEFQV29nRVB0Z3RNMV9iWmIydnRtNFFnUjFjTXliVXd1LW44T1ZVYk9UUFk0N2FhMjVtMUR6UXVObDZvQlF1ZGxMOXZXZmZaQlJoU1FjX05JeV9E?oc=5) · Patriot League
- 2025-04-02 [Missouri Credit Union members approve acquisition by River Region - KOMU 8](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNNzRkMm9GbDcxelJ0YTlYZHl6c2xEdHFqbS1DcTBraG9NMFJkUzN5dlJ6NXZoOGR4V2k5VlNQUWNsZl9nRjhQNTh3b2x3SUtwRkxHZmVqQmZuOHdCVDB0YUJiQmZCU0FoX1FOam1ELVVQU1BCa01mRjM3TE1rNl9acFpsMGw2Q202WDh6dmNoczVFRl85T0MwcFhsaW9ndnNXV2RYWVhsbWp2ZGNBMllSMVJKdlY1WmZoSUVsUXRTRl9DaHE5ZG9kMjFaMHhRSUVIWXI2Yjk1WnNnVlpsVHFySk51bEduYWRoODRTLXdR?oc=5) · KOMU 8
- 2024-12-09 [2024 St. Louis Angel Tree Toy Town to Serve Over 6,500 Children - The Salvation Army USA](https://news.google.com/rss/articles/CBMisgFBVV95cUxNYmtDWmwtWjJVU0l2WjhfMEFwTFhZbWRTVU9HV1pUZEJneHhQcGRTQUdWanZpSHJKZy12UGNnVm1mYk4zYVVUSjQ1TThKQnQyNTRmbVEzTG5JLU9sOS1zdlAwNW9VSHczaVc5MHc4WWV4UVM3eUx0Q3JHME5EQmJxdnhHNURPZ3lXUGttMWotMmhIWXd5dEJRT25lNkZqTUJUcTRjRHZKbXE0VzlXZmZxTmRn?oc=5) · The Salvation Army USA
- 2025-07-11 [2024 St. Louis Angel Tree Toy Town to Serve Over 6,500 Children - The Salvation Army USA](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNejRkODM5ZGFqSHRqUkQ5cHhBU2o2Q0ZwT1VMM3k3cWpuVVZobVhQNUI0N1BpeUZ3ZDVSdHdORnF6bC1QNy1pam1hc3JXOTM3SmNxN2F4cldPYVhjWlAzR3pDNmoxRUxIZ0NITHlRb0hOMVVvSjM0clpxM2VOei1yaHI1RzRUYTlDdVkySldXejNUTmhvR2R4dDNlck1lbDhMUUFmcGlHR2FPTHM?oc=5) · The Salvation Army USA
- 2026-02-12 [Patriot League Announces Boston University at Lehigh Men’s Basketball to be Televised on CBS Sports Network - Patriot League](https://news.google.com/rss/articles/CBMi5wFBVV95cUxObV94eVhqZkt2M0RDaW8wMzFvcGRRUWt0OXZ6QXRXSGJxb1VyMVpDZlJwSFlsc043RDZXNldWVUppN3dNZEpJUDhqNEFPRkdpa2trR2ktRDUtTjNrVmYteVJVWFFuV1h3NnI3RXc0UDhRVnNLdVlGbGpvc1JVX3Zud1FON19YWjZmLVowa2tLaVhkZklJNEZ6c1A1SFB2eWZQcVdCU3JwOGxteXA5RDA5cTliMm5MZWMwUjBjSUp0ZUloOGZOM010bXl2WGgyMGU1YVJXVXFxQVYwTEhnRWU2dlIyaXpqZWc?oc=5) · Patriot League

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64856 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/24.json (key "64856", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=64856
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide