Credit Union Safety Analysis
Is S and J School Employees Federal Credit Union Safe? Wintersville, Ohio
Based on its Q2 2026 NCUA 5300 call report, S and J School Employees Federal Credit Union has a net worth ratio of 10.92%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.16%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, S and J School Employees Federal Credit Union's net worth ratio is 10.92%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.92%
- Delinquency ratio (60+ days) (Q2 2026): 3.16%
- Return on assets (Q2 2026): 0.47%
- Loan-to-share ratio (Q2 2026): 70.29%
S and J School Employees Federal Credit Union (NCUA charter 17331, established 1966) reported $3.1M in assets and 610 members for Q2 2026 from Wintersville, Ohio. It ranks 182 of 191 credit unions in Ohio by total assets. Total assets fell 1.7% from $3.1M on June 30, 2025. It has 30 fewer members than on June 30, 2025 (-4.7%). Its net worth ratio was up 0.71 percentage points from 10.21% on June 30, 2025. Used vehicle loans are its largest loan category, $1.1M of $1.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.16% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.06% for Q1 2026; 10.21% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 2.79% for Q1 2026; 1.52% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.45% for Q1 2026; 0.96% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 73.45% for Q1 2026; 73.85% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.1M
- Other unsecured loans and lines of credit: $452K
- New vehicle loans: $235K
- Other secured non-real estate loans and lines of credit: $87K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.1M | 10.92% | 3.16% | 0.47% | 70.29% |
| March 31, 2026 | $3.0M | 11.06% | 2.79% | 0.45% | 73.45% |
| December 31, 2025 | $3.0M | 11.12% | 1.53% | 0.22% | 73.26% |
| September 30, 2025 | $3.1M | 10.64% | 0.56% | 1.03% | 72.33% |
| June 30, 2025 | $3.1M | 10.21% | 1.52% | 0.96% | 73.85% |
| March 31, 2025 | $3.2M | 9.76% | 1.61% | 0.64% | 73.15% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
S and J School Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 17331) · FFIEC NIC profile (RSSD 4688)
Frequently asked questions
Is S and J School Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, S and J School Employees Federal Credit Union's net worth ratio is 10.92%, above the 7% NCUA threshold for well capitalized.
Is S and J School Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. S and J School Employees Federal Credit Union is a federally insured credit union (NCUA charter 17331): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are S and J School Employees Federal Credit Union's key safety ratios?
For Q2 2026, S and J School Employees Federal Credit Union reports net worth 10.92%, delinquency 3.16%, ROA 0.47%, loan-to-share 70.29%.
What happens to my money if S and J School Employees Federal Credit Union fails?
For Q2 2026, S and J School Employees Federal Credit Union held $2.7M in shares and deposits for 610 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.