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St. Pats Employees Credit Union
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St. Pats Employees Credit Union Share
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Overview Share
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St. Pats Employees Credit Union is a federal credit union based in Missoula, Montana. It has been opened since 1968, for 54 years.

With around $4,620,000 in assets, St. Pats Employees Credit Union is considered to be a small credit union.

About Share
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Address 500 W. Broadway Street
Missoula, Montana 59802
Website http://www.StPatsCU.com
Phone (406) 329-5665
Fax (406) 329-2639
CEO Silvia Davis
President of the Board John Gross
Services Offered
Score Card Share
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54 years
Years in business
Opened in 1968
Well Capitalized
Net worth classification
Source: NCUA
757 members
Membership type: Multiple common bond – primary health care
Below average number of members
757:1
Credit union member to staff ratio
757 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
$4,619,209
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 2 in Montana
Average number of branches
0.35%
Savings interest rate
Compared to 0.3% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 2 in Montana
Average number of branches
St. Pats Employees Credit Union Branch Locations
Members Share
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757 members
Membership type: Multiple common bond – primary health care
Below average number of members

With 757 members, the St. Pats Employees Credit Union is considered to be a very small credit union. It is among the smallest credit unions and is smaller than 85% of credit unions.

Fees Share
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$1
Average fee per member
The average fee per member at the St. Pats Employees Credit Union is $1, which is very low compared to most credit unions. This rate is lower than 93% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the St. Pats Employees Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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757:1
Credit union member to staff ratio
757 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
1 staff members
FTE (full-time equivalent)
0% of employees are part-time
1 full-time, 0 part-time

St. Pats Employees Credit Union has 1 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. St. Pats Employees Credit Union has around 757 members per staff, a high ratio compared to other credit unions.

Assets Share
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$4,619,209
Total assets
Below average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.3%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$7,489
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 74% of credit unions.

St. Pats Employees Credit Union holds a total of $2,580,000 in loans and leases, which is about $7,489 per member on average.

Savings interest rate Share
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0.35%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. St. Pats Employees Credit Union pays 0.35%.

Loan rates Share
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7.80%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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2.90%
New car loan rate
Compared to 4.0% nationally
3.15%
Used car loan rate
Compared to 5.2% nationally

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