Credit Union Safety Analysis
Is Saint John A M E Federal Credit Union Safe? Niagara Falls, New York
Based on its Q2 2026 NCUA 5300 call report, Saint John A M E Federal Credit Union has a net worth ratio of 15.75%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.74%, 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, Saint John A M E Federal Credit Union's net worth ratio is 15.75%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.75%
- Delinquency ratio (60+ days) (Q2 2026): 0.74%
- Return on assets (Q2 2026): 1.64%
- Loan-to-share ratio (Q2 2026): 77.40%
Saint John A M E Federal Credit Union (NCUA charter 18528, established 1968) reported $189K in assets and 170 members for Q2 2026 from Niagara Falls, New York. It ranks 265 of 267 credit unions in New York by total assets. Total assets fell 6.8% from $203K on June 30, 2025. 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.
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: 14.43% for Q1 2026; 14.74% 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: 6.93% for Q1 2026 .
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: -0.57% for Q1 2026; -1.91% 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: 70.44% for Q1 2026; 52.00% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $63K
- Used vehicle loans: $48K
- Other secured non-real estate loans and lines of credit: $12K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $189K | 15.75% | 0.74% | 1.64% | 77.40% |
| March 31, 2026 | $201K | 14.43% | 6.93% | -0.57% | 70.44% |
| December 31, 2025 | $192K | 15.23% | 4.32% | -1.69% | 72.79% |
| September 30, 2025 | $192K | 15.64% | 1.82% | 0.01% | 54.03% |
| June 30, 2025 | $203K | 14.74% | — | -1.91% | 52.00% |
| March 31, 2025 | $205K | 15.02% | — | 2.29% | 57.25% |
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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.
Saint John A M E Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 18528) · FFIEC NIC profile (RSSD 495781)
Frequently asked questions
Is Saint John A M E Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Saint John A M E Federal Credit Union's net worth ratio is 15.75%, above the 7% NCUA threshold for well capitalized.
Is Saint John A M E Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Saint John A M E Federal Credit Union is a federally insured credit union (NCUA charter 18528): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Saint John A M E Federal Credit Union's key safety ratios?
For Q2 2026, Saint John A M E Federal Credit Union reports net worth 15.75%, delinquency 0.74%, ROA 1.64%, loan-to-share 77.40%.
What happens to my money if Saint John A M E Federal Credit Union fails?
For Q2 2026, Saint John A M E Federal Credit Union held $159K in shares and deposits for 170 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.