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
- ASSETS 86/100
- MEM 11.3%
- RANK 1.38%
- PHOTO 0.88%
- BOOK $184.0M
- CHARTER 7,258
- NCUSIF #1,819/4,374
- CAMELS JOURNEY
- HEALTH 3306
Call Report peers
SJP in the assets neighbourhood
SJP's $184.0M assets sit next to JOURNEY ($184.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #3306 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SJP Call Report trajectory
SJP: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $184.0M (2025Q4) to $186.0M (2026Q1).
- Net-worth ratio shifted +0.28 pp (11.07% → 11.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for SJP - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($184.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is SJP financially healthy?
Yes/no aside, the number is 86/100 (Excellent) - SJP's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,819 of 4,374; by total assets it ranks #1,337 of 4,374 nationally (same basis as /rankings/largest); and #60 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.35% net worth ratio and 1.38% delinquency rate are the key drivers.
How does SJP compare to other credit unions?
SJP scores 86/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like SJP 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. SJP's net worth ratio of 11.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SJP offer compared to banks?
Credit unions like SJP 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 SJP directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.