Side-by-side · Q2 2026 data
Saint John a M E Federal Credit Union vs Urban Empowerment Federal Credit Union
Credit union
Saint John a M E Federal Credit Union
Niagara Falls, New York · Under $100 million in assets
Credit union
Urban Empowerment Federal Credit Union
New York, New York · Under $100 million in assets
Metric by metric
| Measure | Saint John a M E Federal Credit Union | Urban Empowerment Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 75 | 100 (stronger) |
| Earnings | 41 (stronger) | 0 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 62nd | 34th |
| Total assets | $189K | $352K |
| Deposits / shares | $159K | $170K |
| Capital ratio | 15.75% (stronger) | 10.83% |
| Problem loans | 0.74% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.52% (stronger) | -6.47% |
| Loans ÷ deposits | 77.4% | 8.3% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Saint John a M E Federal Credit Union has the higher TellerScore (79 vs 67). On the 5 directional measures above (where higher or lower is clearly better), Saint John a M E Federal Credit Union leads on 3 and Urban Empowerment Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.