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 53/100 (Fair), anchored by a net worth ratio of 13.58% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #18528 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.

Loan book quality and earnings power round out the picture. The delinquency rate of 4.32% measures loans 60+ days past due against total loans outstanding — the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 72.79% indicates how aggressively member deposits are being deployed into lending — within the 60–80% range most industry analysts consider optimally balanced between yield and liquidity.

Every deposit account at SAINT JOHN A M E is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -2.31%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Community), and current deposit and loan rates should be verified directly with SAINT JOHN A M E before opening any account or borrowing.