Side-by-side · Q2 2026 data
St. Philip'S Church Federal Credit Union vs St. John United Federal Credit Union
Credit union
St. Philip'S Church Federal Credit Union
New York, New York · Under $100 million in assets
Credit union
St. John United Federal Credit Union
Buffalo, New York · Under $100 million in assets
Metric by metric
| Measure | St. Philip'S Church Federal Credit Union | St. John United Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 41 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 0 | 0 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 (stronger) | 86 |
| Peer percentile | 49th | 3rd |
| Total assets | $1.3M | $1.1M |
| Deposits / shares | $799K | $988K |
| Capital ratio | 35.45% (stronger) | 10.83% |
| Problem loans | 10.67% | 4.62% (stronger) |
| Net charge-offs | 0.00% (stronger) | 3.32% |
| Return on assets | 3.37% (stronger) | -0.82% |
| Loans ÷ deposits | 15.9% (stronger) | 21.8% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Philip'S Church Federal Credit Union has the higher TellerScore (74 vs 41). On the 6 directional measures above (where higher or lower is clearly better), St. Philip'S Church Federal Credit Union leads on 5 and St. John United Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.