Saint John A M E Federal Credit Union Niagara Falls, New York
Saint John A M E Federal Credit Union is a federal credit union headquartered in Niagara Falls, NY, established in 1968 (NCUA charter 18528), and it is regulated and insured by the NCUA. At Q2 2026 it reported 170 members and total assets of $189K (down 6.8% from Q2 2025), the 265th largest of 267 credit unions headquartered in New York. Its net worth ratio was 15.75% at Q2 2026, in the well capitalized band.
Also written as Saint John AME FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 18528
- Headquarters
- Niagara Falls, NY
- Established
- 1968
- Total assets, Q2 2026
- $189K
- Assets vs Q2 2025
- -6.8%
- Members, Q2 2026
- 170
- Net worth ratio, Q2 2026
- 15.75%
- Latest call report
- Q2 2026, NCUA 5300 · Saint John A M E Federal Credit Union call report
- Asset rank in state
- 265th of 267 in New York
- Routing number
- 222381756
- Branches
- 1
It has 2 fewer members than on June 30, 2025 (-1.2%). Its net worth ratio was up 1.01 percentage points from 14.74% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $63K of $123K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.74% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 15.75% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about Saint John A M E Federal Credit Union
How big is Saint John A M E Federal Credit Union?
At Q2 2026 it reported total assets of $189K and 170 members.
Where is Saint John A M E Federal Credit Union headquartered?
It is headquartered in Niagara Falls, NY, United States.
When was Saint John A M E Federal Credit Union founded?
It was established in 1968, per NCUA records.
Is Saint John A M E Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 18528): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Saint John A M E Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Saint John A M E Federal Credit Union well capitalized?
Its net worth ratio was 15.75% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Saint John A M E Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.74% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Saint John A M E Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 77.40% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Niagara Falls, NY 14305
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1968
- NCUA Charter #
- 18528
- RSSD ID
- 495781
- Members
- 170
- Potential members
- 250
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 15.75% | 14.31% | 57th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.64% | 0.72% | 84th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 10.43% | 4.74% | 82nd top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.19% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 71.66% | 79.83% | 67th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.07% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.74% | 0.86% | 56th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.26% | 4.70% | 73rd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 77.40% | 58.92% | 77th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$189K total assets against $203K; $159K total shares and deposits against $172K; $123K total loans against $90K.
$30K net worth against $30K.
15.75% net worth ratio against 14.74%.
77.40% loan-to-share ratio against 52.00%.
0.74% delinquency ratio.
1.64% return on assets against -1.91%; 10.43% return on equity against -12.93%.
5.19% net interest margin against 4.62%.
170 members against 172.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.75% | 1.64% | 0.74% | 77.40% |
| March 31, 2026 | 14.43% | -0.57% | 6.93% | 70.44% |
| December 31, 2025 | 15.23% | -1.69% | 4.32% | 72.79% |
| September 30, 2025 | 15.64% | 0.01% | 1.82% | 54.03% |
| June 30, 2025 | 14.74% | -1.91% | — | 52.00% |
| March 31, 2025 | 15.02% | 2.29% | — | 57.25% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.