SJP

SJP is a federal credit union headquartered in Buffalo, New York, serving 7,258 members with $184.0M in total assets and $148.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 63/100 (Good), anchored by a net worth ratio of 10.66% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #3306 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.

Loan book quality and earnings power round out the picture. The delinquency rate of 1.38% measures loans 60+ days past due against total loans outstanding — the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser 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 92.39% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management.

Every deposit account at SJP 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 1.03%, 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/Select Employee Group), and current deposit and loan rates should be verified directly with SJP before opening any account or borrowing.