Federal credit union · Buffalo, New York · NCUA charter #21355
St. John United
Health score 55/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $1.1M
- Total assets
- 414
- Members
- 11.4%
- Net-worth ratio
St. John United scores 55/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.1M; members 414; net-worth ratio 11.39%; health rank #4,185 of 4,374; healthier than 4th of scored peers.
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#4,185 of 4,374 health · 2025Q4St. John United · health 55/100 · $1.1M · 2025Q4
Call Report peers
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St. John United vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); St. John United sits in 55-59 with 115 others.
55 4th percentile higher than 4% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
St. John United vs Under $2M peers
- Largest favorable gap: Return on Assets at 0.54% vs peer 0.22% (+0.32 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -27.30 pp (25.40% vs 52.70%).
St. John United: in-state Call Report ranks
- In New York, health place is #257 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #251 of 272.
- Membership ranks #243 of 272 among New York CUs with a reported count (414 members).
- One place up in New York, CO-OPERATIVE (#256) ties at 55/100; one place down, ALTERNATIVES (#258) scores 54/100, 1 point lower.
St. John United Call Report trajectory
St. John United: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $1.1M (2025Q4) to $1.1M (2026Q1).
- Net-worth ratio shifted -0.41 pp (11.80% → 11.39%).
This credit union's 11.39% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 55/100 score is built
St. John United gives up 45 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.5 pts
- Loan-to-Share Ratio 8.5 pts
St. John United vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.39% | -11.54 pp |
| Delinquency Rate | 6.18% | +1.70 pp |
| Return on Assets | 0.54% | +0.32 pp |
| Member Growth | -4.17% | - |
| Loan-to-Share Ratio | 25.40% | -27.30 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Call Report history - St. John United
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.1M | - |
| 2025Q4 | $1.1M | 414 |
| 2024Q4 | $1.1M | 432 |
| 2023Q4 | $1.2M | 460 |
Credit Union Details
- Charter Number
- 21355
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- Under $2M
- State
- New York
- City
- Buffalo
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for St. John United.
| Office | City |
|---|---|
| St. John United Federal Credit Union (Main Office) | Buffalo, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Cross-state Call Report peers for St. John United
Similar health score
Using this data
- St. John United ranks #4,185 of 4,374 nationally on financial health and #257 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Akron School Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Akron School Employees
Frequently Asked Questions
Is St. John United financially healthy?
St. John United has a financial health score of 55/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,185 of 4,374 nationally on health and #257 of 272 in New York. Its net worth ratio is 11.39% and its delinquency rate 6.18%.
How does St. John United compare to other credit unions?
St. John United scores 55/100, higher than 4% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is return on assets (0.54% vs 0.22%). Its widest shortfall is loan-to-share ratio (25.40% vs 52.70%).
How can I join St. John United?
St. John United 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 St. John United directly for the exact boundaries and application steps.
Is my money safe at St. John United?
St. John United 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. St. John United's net worth ratio of 11.39% 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.