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.
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#4,086 of 4,374 health · 2025Q4Saint John a M E · health 59/100 · $192K · 2025Q4
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Saint John a M E sits in 55-59 with 115 others.
59 6th percentile higher than 6% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in New York, Division 726 (#245) ties at 59/100; one place down, Transit Authority Division B (#247) ties at 59/100.
Saint John a M E Call Report trajectory
Saint John a M E: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $192K (2025Q4) to $201K (2026Q1).
- Net-worth ratio shifted -0.80 pp (15.23% → 14.43%).
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
Saint John a M E gives up 41 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
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
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) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,086 of 4,374 nationally on health and #246 of 272 in New York. Its net worth ratio is 14.43% and its delinquency rate 4.32%.
How does Saint John a M E compare to other credit unions?
Saint John a M E scores 59/100, higher than 6% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (72.79% vs 52.70%). Its widest shortfall is net worth ratio (14.43% vs 22.93%).
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?
Saint John a M E 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. Saint John a M E's net worth ratio of 14.43% 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.