TellerScore

Sjp Federal Credit Union (NCUA charter #3306) is based in Buffalo, New York. Its Q2 2026 call report shows $187.7M in total assets and $163.2M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Sjp Federal Credit Union scores 69/100, which we describe as moderate. That is higher than only 48% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 146th. Its strongest component is problem-loan coverage (86/100; 6.9%), and its lowest is capital cushion (63/100; 11.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.29%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.93%
Earnings70/100
Return on assets (annualized): 1.25%
Funding & liquidity66/100
Loans ÷ shares: 94.0% · 13.8% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.87%

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 rose 5 points (64 → 69), mostly because the loan quality component improved by 8 points.

TellerScore
616874Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202465
Q4 202463
Q1 202562
Q2 202564
Q3 202562
Q4 202563
Q1 202674
Q2 202669
Net worth ratio
7.00%9.18%11.35%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.22%
Q3 202411.00%
Q4 202410.97%
Q1 202510.93%
Q2 202510.98%
Q3 202510.99%
Q4 202511.07%
Q1 202611.35%
Q2 202611.29%
Delinquent loans (60+ days)
0.92%1.15%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.39%
Q3 20240.92%
Q4 20241.20%
Q1 20251.15%
Q2 20251.18%
Q3 20251.35%
Q4 20251.38%
Q1 20261.09%
Q2 20260.93%
Return on assets
0.86%1.43%2.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.97%
Q3 20240.91%
Q4 20240.97%
Q1 20250.86%
Q2 20251.10%
Q3 20251.05%
Q4 20251.10%
Q1 20262.00%
Q2 20261.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$187.7M11.29%0.93%1.25%94.0%
Q1 202674$186.0M11.35%1.09%2.00%90.9%
Q4 202563$184.0M11.07%1.38%1.10%92.4%
Q3 202562$179.0M10.99%1.35%1.05%94.1%
Q2 202564$175.3M10.98%1.18%1.10%92.5%
Q1 202562$170.5M10.93%1.15%0.86%91.9%
Q4 202463$167.2M10.97%1.20%0.97%92.9%
Q3 202465$163.7M11.00%0.92%0.91%92.9%
Q2 202461$156.4M11.22%1.39%0.97%97.9%

1,341 peers · $100 million – $1 billion

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 ratio11.29%
48th
Problem loans0.93%
34th
Net charge-offs0.05%
92nd
Return on assets1.25%
80th
Loans to deposits94.0%
9th
Uninsured deposits13.8%
6th
Loan-loss reserves0.00%
50th
Texas ratio6.9%
26th

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Deposit insurance

Is my money safe at Sjp Federal Credit Union?

Yes. Sjp Federal Credit Union is a federally insured credit union (NCUA charter #3306). 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 13.8% of shares and deposits ($22.5M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.29%, 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

Sjp Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Sjp Federal Credit Union
Type
Federal credit union
NCUA charter #
3306
RSSD ID
570473
Primary regulator
NCUA
Established
1939
Headquarters
341 Englewood Ave, Buffalo, NY 14223
Employees
16

Quick answers

Sjp Federal Credit Union: common questions

Is Sjp Federal Credit Union NCUA insured?

Yes. Sjp Federal Credit Union is a federally insured credit union (NCUA charter #3306). 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 Sjp Federal Credit Union's TellerScore?

69 out of 100 (Moderate), 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 Sjp Federal Credit Union have?

1 office as of the latest NCUA data.

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