TellerScore

Headquartered in Niagara Falls, New York, Saint John a M E Federal Credit Union is a federal credit union with $189K in total assets and $159K in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1968.

Based on its Q2 2026 filing, Saint John a M E Federal Credit Union scores 79/100, which we describe as strong. That is higher than 62% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 81st. Its strongest component is capital cushion (100/100; 15.75%), and its lowest is earnings (41/100; 0.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.75%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.74%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity83/100
Loans ÷ shares: 77.4% · 0.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.74%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 6 points (85 → 79), mostly because the loan quality component weakened by 25 points.

TellerScore
4774100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202484
Q4 202484
Q1 2025100
Q2 202585
Q3 202569
Q4 202552
Q1 202647
Q2 202679
Net worth ratio
7.00%11.38%15.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.24%
Q3 202414.74%
Q4 202414.92%
Q1 202515.02%
Q2 202514.74%
Q3 202515.64%
Q4 202515.23%
Q1 202614.43%
Q2 202615.75%
Delinquent loans (60+ days)
0.00%3.46%6.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20251.82%
Q4 20254.32%
Q1 20266.93%
Q2 20260.74%
Return on assets
-0.57%0.86%2.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.60%
Q3 20240.13%
Q4 20240.14%
Q1 20252.29%
Q2 20250.20%
Q3 20250.15%
Q4 2025-0.31%
Q1 2026-0.57%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$189K15.75%0.74%0.52%77.4%
Q1 202647$201K14.43%6.93%-0.57%70.4%
Q4 202552$192K15.23%4.32%-0.31%72.8%
Q3 202569$192K15.64%1.82%0.15%54.0%
Q2 202585$203K14.74%0.00%0.20%52.0%
Q1 2025100$205K15.02%0.00%2.29%57.3%
Q4 202484$199K14.92%0.00%0.14%64.3%
Q3 202484$201K14.74%0.00%0.13%52.1%
Q2 202486$211K14.24%0.00%0.60%49.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.75%
59th
Problem loans0.74%
49th
Net charge-offs0.00%
77th
Return on assets0.52%
43rd
Loans to deposits77.4%
23rd
Uninsured deposits0.0%
81st
Loan-loss reserves2.80%
93rd
Texas ratio2.7%
44th

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Deposit insurance

Is my money safe at Saint John a M E Federal Credit Union?

Yes. Saint John a M E Federal Credit Union is a federally insured credit union (NCUA charter #18528). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.75%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Saint John a M E Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Saint John a M E Federal Credit Union
Type
Federal credit union
NCUA charter #
18528
RSSD ID
495781
Primary regulator
NCUA
Established
1968
Headquarters
917 Garden Ave, Niagara Falls, NY 14305
Employees
2

Quick answers

Saint John a M E Federal Credit Union: common questions

Is Saint John a M E Federal Credit Union NCUA insured?

Yes. Saint John a M E Federal Credit Union is a federally insured credit union (NCUA charter #18528). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Saint John a M E Federal Credit Union's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Saint John a M E Federal Credit Union have?

1 office as of the latest NCUA data.

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