Credit Union Safety Analysis
Is St. John United Federal Credit Union Safe? Buffalo, New York
Based on its Q2 2026 NCUA 5300 call report, St. John United Federal Credit Union has a net worth ratio of 10.83%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 4.62%, 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, St. John United Federal Credit Union's net worth ratio is 10.83%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.83%
- Delinquency ratio (60+ days) (Q2 2026): 4.62%
- Return on assets (Q2 2026): -1.33%
- Loan-to-share ratio (Q2 2026): 21.75%
St. John United Federal Credit Union (NCUA charter 21355, established 1973) reported $1.1M in assets and 407 members for Q2 2026 from Buffalo, New York. It ranks 246 of 267 credit unions in New York by total assets. Total assets fell 1.4% from $1.2M on June 30, 2025. It has 20 fewer members than on June 30, 2025 (-4.7%). Its net worth ratio was down 0.37 percentage points from 11.20% on June 30, 2025. Used vehicle loans are its largest loan category, $115K of $215K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 4.62% 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: 11.39% for Q1 2026; 11.20% 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: 6.47% for Q1 2026; 4.83% 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: -0.31% for Q1 2026; 1.03% 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: 24.91% for Q1 2026; 26.87% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $115K
- Other unsecured loans and lines of credit: $99K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.1M | 10.83% | 4.62% | -1.33% | 21.75% |
| March 31, 2026 | $1.1M | 11.39% | 6.47% | -0.31% | 24.91% |
| December 31, 2025 | $1.1M | 11.80% | 6.18% | 1.11% | 25.40% |
| September 30, 2025 | $1.1M | 11.19% | 3.58% | -1.57% | 26.33% |
| June 30, 2025 | $1.2M | 11.20% | 4.83% | 1.03% | 26.87% |
| March 31, 2025 | $1.2M | 10.92% | 3.88% | -0.55% | 26.06% |
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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.
St. John United Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 21355) · FFIEC NIC profile (RSSD 386982)
Frequently asked questions
Is St. John United Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, St. John United Federal Credit Union's net worth ratio is 10.83%, above the 7% NCUA threshold for well capitalized.
Is St. John United Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. St. John United Federal Credit Union is a federally insured credit union (NCUA charter 21355): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are St. John United Federal Credit Union's key safety ratios?
For Q2 2026, St. John United Federal Credit Union reports net worth 10.83%, delinquency 4.62%, ROA -1.33%, loan-to-share 21.75%.
What happens to my money if St. John United Federal Credit Union fails?
For Q2 2026, St. John United Federal Credit Union held $988K in shares and deposits for 407 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.