Federal credit union · NIAGARA FALLS, New York · NCUA charter #18528
Saint John a M E
Health score 59/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $192K
- Total assets
- 169
- Members
- 13.6%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)64
- Member growth32
- Liquidity (loan-to-share)100
Weighted composite: 59/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.58%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.58% | 30% |
| Delinquency Rate | 4.32% | 25% |
| Return on Assets | 0.14% | 15% |
| Member Growth | -2.31% | 15% |
| Loan-to-Share Ratio | 72.79% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Saint John a M E
Saint John a M E is a federal credit union headquartered in NIAGARA FALLS, New York, serving 169 members with $192K in total assets and $118K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 59/100 (Fair), anchored by a net worth ratio of 13.58% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #18528 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
On loan book quality: 4.32% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 72.79% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.14% on net income of $273 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.31%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.58% 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 13.58% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.