Federal credit union · Ogdensburg, New York · NCUA charter #9871
Saint Lawrence
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $258.6M
- Total assets
- 13,311
- Members
- 11.4%
- Net-worth ratio
Saint Lawrence scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $258.6M; members 13,311; net-worth ratio 11.40%; health rank #795 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
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Saint Lawrence vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Saint Lawrence sits in 90-94 with 747 others.
92 Top 20% higher than 80% 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 Lawrence vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 81.31% here, 72.20% peer average (+9.11 pp).
- Largest lag: Net Worth Ratio at 11.40% vs peer 12.11% (-0.71 pp).
New York standing for Saint Lawrence
- Health composite ranks #40 of 272 among scored New York credit unions.
- By total assets, Saint Lawrence is #51 of 272 in New York.
- New York membership ordinal: #60 of 272.
- One place up in New York, Southern Chautauqua (#39) ties at 92/100; one place down, Tonawanda Valley (#41) ties at 92/100.
Quarter path for Saint Lawrence
Saint Lawrence: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $258.6M (2025Q4) to $267.7M (2026Q1).
- Net-worth ratio shifted -0.25 pp (11.65% → 11.40%).
At 11.40%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Saint Lawrence gives up 8 points in total. Delinquency Rate costs the most, 3.9 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.1 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 14.6 pts
Saint Lawrence health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.40% | -0.71 pp |
| Delinquency Rate | 0.89% | -0.00 pp |
| Return on Assets | 0.73% | +0.11 pp |
| Member Growth | 1.94% | - |
| Loan-to-Share Ratio | 81.31% | +9.11 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Saint Lawrence
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $267.7M | - |
| 2025Q4 | $258.6M | 13,311 |
| 2024Q4 | $243.5M | 13,058 |
| 2023Q4 | $236.0M | 12,677 |
Credit Union Details
- Charter Number
- 9871
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Ogdensburg
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Saint Lawrence, spread across 5 cities.
| Office | City |
|---|---|
| Commerce Park Drive (Main Office) | Ogdensburg, NY |
| Court Street | Canton, NY |
| 111 Church Street | Hermon, NY |
| 81 State Street | Heuvelton, NY |
| State Street | Ogdensburg, NY |
| State Highway 56 | Potsdam, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Saint Lawrence nationwide neighbourhoods
Using this data
- Saint Lawrence ranks #795 of 4,374 nationally on financial health and #40 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Niagara's Choice is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Niagara's Choice
Frequently Asked Questions
Is Saint Lawrence financially healthy?
On its 2025Q4 NCUA 5300 filing, Saint Lawrence scores 92/100 (Excellent), with a 11.40% net worth ratio and 0.89% of loans delinquent. It ranks #795 of 4,374 nationally on health and #40 of 272 in New York.
How does Saint Lawrence compare to other credit unions?
Saint Lawrence scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (81.31% vs 72.20%). Its widest shortfall is net worth ratio (11.40% vs 12.11%).
How can I join Saint Lawrence?
Saint Lawrence 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 Lawrence directly for the exact boundaries and application steps.
Is my money safe at Saint Lawrence?
Saint Lawrence 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 Lawrence's net worth ratio of 11.40% 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.