Federal credit union · NIAGARA FALLS, New York · NCUA charter #18528
Saint John a M E
Health score 59/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $192K
- Total assets
- 169
- Members
- 14.4%
- Net-worth ratio
Saint John a M E scores 59/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $192K; members 169; net-worth ratio 14.43%; health rank #4,086 of 4,374; healthier than 6th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,086 of 4,374 health · 2025Q4Saint John a M E · health 59/100 · $192K · 2025Q4
- NCUSIF 59/100
- CAMELS 14.4%
- HEALTH 4.32%
- NW 0.14%
- DELQ $192K
- ROA 169
- ASSETS #4,086/4,374
- MEM n/a
- RANK 18528
Call Report peers
Saint John a M E carries $192K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Saint John a M E vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
59 6th percentile higher than 6% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Saint John a M E - Share Insurance Coverage
Charter #18528's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Saint John a M E: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 72.79% here, 52.70% peer average (+20.09 pp).
- Widest shortfall vs peers is Net Worth Ratio: -8.50 pp (14.43% vs 22.93%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Saint John a M E
- In New York, health place is #246 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, Saint John a M E is #270 of 272 in New York.
- Membership ranks #260 of 272 among New York CUs with a reported count (169 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Saint John a M E Call Report trajectory
Saint John a M E: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.6% from $192K (2025Q4) to $201K (2026Q1).
- Net-worth ratio shifted -0.80 pp (15.23% → 14.43%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.43%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 59/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 59.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 9.6 pts
- Member Growth 4.8 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for Saint John a M E
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.43% | -8.50 pp |
| Delinquency Rate | 4.32% | -0.16 pp |
| Return on Assets | 0.14% | -0.08 pp |
| Member Growth | -2.31% | - |
| Loan-to-Share Ratio | 72.79% | +20.09 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Saint John a M E filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $201K | - |
| 2025Q4 | $192K | 169 |
| 2024Q4 | $199K | 173 |
| 2023Q4 | $200K | 170 |
Credit Union Details
- Charter Number
- 18528
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- New York
- City
- NIAGARA FALLS
- Data Quarter
- 2025Q4
Branch Location
Saint John a M E operates a single office in NIAGARA FALLS, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| SAINT JOHN AME FCU (Main Office) | NIAGARA FALLS, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Saint John a M E nationwide neighbourhoods
Saint John a M E's nationwide photo peers by assets and by health score, excluding New York charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (59/100 here).
Using this data
- Saint John a M E ranks #4,086 of 4,374 nationally on financial health and #246 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Far Rockaway Postal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Far Rockaway Postal
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Saint John a M E financially healthy?
Saint John a M E has a financial health score of 59/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,086 of 4,374; by total assets it ranks #4,348 of 4,374 nationally (same basis as /rankings/largest); and #270 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.43% and delinquency rate of 4.32%.
How does Saint John a M E compare to other credit unions?
Five weighted metrics from NCUA filings produce Saint John a M E's 59/100 score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Saint John a M E?
Saint John a M E 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 Saint John a M E directly for the exact boundaries and application steps.
Is my money safe at Saint John a M E?
Federal credit unions like Saint John a M E are 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. Saint John a M E's net worth ratio of 14.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Saint John a M E offer compared to banks?
Credit unions like Saint John a M E are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Saint John a M E directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.