Federal credit union · Buffalo, New York · NCUA charter #3306
SJP
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $184.0M
- Total assets
- 7,258
- Members
- 11.3%
- Net-worth ratio
SJP scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $184.0M; members 7,258; net-worth ratio 11.35%; health rank #1,819 of 4,374; healthier than 57th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,819 of 4,374 health · 2025Q4SJP · health 86/100 · $184.0M · 2025Q4
Call Report peers
SJP in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SJP vs every NCUA-scored credit union
SJP sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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
SJP vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 92.39% vs peer 72.20% (+20.19 pp).
- Largest lag: Net Worth Ratio at 11.35% vs peer 12.11% (-0.76 pp).
New York standing for SJP
- New York health ordinal: #106 of 272.
- By total assets, SJP is #60 of 272 in New York.
- New York membership ordinal: #87 of 272.
- One place up in New York, Oswego County (#105) ties at 86/100; one place down, First Source (#107) ties at 86/100.
SJP Call Report trajectory
SJP: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $184.0M (2025Q4) to $186.0M (2026Q1).
- Net-worth ratio shifted +0.28 pp (11.07% → 11.35%).
11.35% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
SJP gives up 14 points in total. Delinquency Rate costs the most, 7.8 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.2 pts
- Return on Assets 15.0 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 13.6 pts
SJP vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.35% | -0.76 pp |
| Delinquency Rate | 1.38% | +0.48 pp |
| Return on Assets | 0.88% | +0.26 pp |
| Member Growth | 1.03% | - |
| Loan-to-Share Ratio | 92.39% | +20.19 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
SJP quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $186.0M | - |
| 2025Q4 | $184.0M | 7,258 |
| 2024Q4 | $167.2M | 7,184 |
| 2023Q4 | $147.6M | 6,982 |
Credit Union Details
- Charter Number
- 3306
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- $100M–$500M
- State
- New York
- City
- Buffalo
- Data Quarter
- 2025Q4
Branch Location
SJP operates a single office in Buffalo, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 341 Englewood Avenue (Main Office) | Buffalo, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
SJP nationwide neighbourhoods
Using this data
- SJP ranks #1,819 of 4,374 nationally on financial health and #106 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Choice Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Choice Financial
Frequently Asked Questions
Is SJP financially healthy?
On its 2025Q4 NCUA 5300 filing, SJP scores 86/100 (Excellent), with a 11.35% net worth ratio and 1.38% of loans delinquent. It ranks #1,819 of 4,374 nationally on health and #106 of 272 in New York.
How does SJP compare to other credit unions?
SJP scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (92.39% vs 72.20%). Its widest shortfall is net worth ratio (11.35% vs 12.11%).
How can I join SJP?
SJP 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 SJP directly for the exact boundaries and application steps.
Is my money safe at SJP?
SJP 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. SJP's net worth ratio of 11.35% 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.