Federal credit union · Wintersville, Ohio · NCUA charter #17331
S and J School Employees
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $3.0M
- Total assets
- 617
- Members
- 11.1%
- Net-worth ratio
S and J School Employees scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.0M; members 617; net-worth ratio 11.06%; health rank #2,989 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,989 of 4,374 health · 2025Q4S and J School Employees · health 78/100 · $3.0M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
S and J School Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); S and J School Employees sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
S and J School Employees vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +9.66 pp (73.26% vs 63.60%).
- Net Worth Ratio trails the peer set - 11.06% here, 19.06% peer average (-8.00 pp).
Where S and J School Employees sits in Ohio
- In Ohio, health place is #140 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #185 of 196.
- Member book place in Ohio: #181 of 196.
- One place up in Ohio, CHAMPION (#139) ties at 78/100; one place down, Cincinnati Employees (#141) ties at 78/100.
S and J School Employees: 2025Q4 → 2026Q1
S and J School Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $3.0M (2025Q4) to $3.0M (2026Q1).
- Net-worth ratio shifted -0.06 pp (11.12% → 11.06%).
At 11.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
S and J School Employees gives up 22 points in total. Member Growth costs the most, 13 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for S and J School Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.06% | -8.00 pp |
| Delinquency Rate | 1.53% | -0.28 pp |
| Return on Assets | 1.01% | +0.56 pp |
| Member Growth | -3.89% | - |
| Loan-to-Share Ratio | 73.26% | +9.66 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - S and J School Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.0M | - |
| 2025Q4 | $3.0M | 617 |
| 2024Q4 | $3.2M | 642 |
| 2023Q4 | $3.4M | 682 |
Credit Union Details
- Charter Number
- 17331
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Ohio
- City
- Wintersville
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for S and J School Employees.
| Office | City |
|---|---|
| S and J School Employees FCU (Main Office) | Wintersville, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Other-state peers near S and J School Employees
Using this data
- S and J School Employees ranks #2,989 of 4,374 nationally on financial health and #140 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ANTIOCH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ANTIOCH
Frequently Asked Questions
Is S and J School Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, S and J School Employees scores 78/100 (Very Good), with a 11.06% net worth ratio and 1.53% of loans delinquent. It ranks #2,989 of 4,374 nationally on health and #140 of 196 in Ohio.
How does S and J School Employees compare to other credit unions?
S and J School Employees scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (73.26% vs 63.60%). Its widest shortfall is net worth ratio (11.06% vs 19.06%).
How can I join S and J School Employees?
S and J School Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact S and J School Employees directly for the exact boundaries and application steps.
Is my money safe at S and J School Employees?
S and J School Employees is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. S and J School Employees's net worth ratio of 11.06% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.