Credit union · NCUA insured
St. Pat's Employees FCU
A $5.5M credit union headquartered in Missoula, MT, with 649 members and 1 branch in Montana. Best rates: CDs 3.87% and savings 0.10% APY.
St. Pat's Employees FCU Carrot Score
64
Carrot Score
Higher than 10% of U.S. banks and credit unions
#9 of 11 in Missoula, MT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About St. Pat's Employees FCU
Chartered in 1969, St. Pat's Employees Federal Credit Union was established to provide St. Patrick Hospital's employees and family members a means to save and borrow money.
The member-owned cooperative financial institution is headquartered in Missoula, Montana.
- Headquarters
- 500 W Broadway St, Missoula, MT 59802-4008
- NCUA charter
- 19017
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Providence Health & Services/ Clinics in the surrounding Missoula area are eligible for membership.
- Employees of Providence Health & Services/ St. Patrick Hospital are eligible for membership.
- Employees of Providence Health & Services/ Regional/ Services located in Missoula MT are eligible for membership.
- Retired employees of Providence Health & Services/ St. Patrick Hospital are eligible for membership.
Family and household
- Family members of eligible members are eligible for membership.
Cost to join
- Opening membership requires completing an application and depositing and maintaining a minimum balance of $5 in a regular share savings account.
Branches
1 branch in Montana
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Montana
1 branch
- St. Pat's Employees Federal Credit UnionMain office500 W Broadway St, Missoula, MT 59802Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.83% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.03% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $38 | $59 | — |
- CapitalNet worth ratio12.83%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.03%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$38Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of St. Pat's Employees FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.