TellerScore

St. Jean'S Credit Union (NCUA charter #67959) is based in Lynn, Massachusetts. Its Q2 2026 call report shows $372.5M in total assets and $326.0M in member shares and deposits and 5 offices.

Based on its Q2 2026 filing, St. Jean'S Credit Union scores 63/100, which we describe as moderate. That is higher than only 29% of 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 87th. Its strongest component is problem-loan coverage (92/100; 3.8%), and its lowest is earnings (32/100; 0.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Net worth ratio: 9.84%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.54%
Earnings32/100
Return on assets (annualized): 0.29%
Funding & liquidity81/100
Loans ÷ shares: 78.8% · 6.2% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.83%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 63).

TellerScore
636566Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202463
Q3 202463
Q4 202463
Q1 202563
Q2 202563
Q3 202564
Q4 202563
Q1 202666
Q2 202663
Net worth ratio
7.00%8.42%9.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.06%
Q3 20249.19%
Q4 20249.17%
Q1 20259.00%
Q2 20259.11%
Q3 20259.51%
Q4 20259.54%
Q1 20269.64%
Q2 20269.84%
Delinquent loans (60+ days)
0.22%0.38%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.45%
Q3 20240.50%
Q4 20240.51%
Q1 20250.29%
Q2 20250.37%
Q3 20250.38%
Q4 20250.54%
Q1 20260.22%
Q2 20260.54%
Return on assets
0.28%0.39%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.50%
Q3 20240.50%
Q4 20240.45%
Q1 20250.28%
Q2 20250.37%
Q3 20250.43%
Q4 20250.39%
Q1 20260.29%
Q2 20260.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$372.5M9.84%0.54%0.29%78.8%
Q1 202666$377.3M9.64%0.22%0.29%75.9%
Q4 202563$378.6M9.54%0.54%0.39%76.5%
Q3 202564$378.1M9.51%0.38%0.43%78.1%
Q2 202563$389.1M9.11%0.37%0.37%76.1%
Q1 202563$388.7M9.00%0.29%0.28%76.0%
Q4 202463$378.6M9.17%0.51%0.45%77.9%
Q3 202463$375.9M9.19%0.50%0.50%78.2%
Q2 202463$376.1M9.06%0.45%0.50%77.8%

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 ratio9.84%
26th
Problem loans0.54%
61st
Net charge-offs0.15%
77th
Return on assets0.29%
17th
Loans to deposits78.8%
43rd
Uninsured deposits6.2%
47th
Loan-loss reserves0.00%
50th
Texas ratio3.8%
53rd

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Mass Bay Credit UnionCredit union South Boston, MA62 out of 100, Moderate$366.7M11.5%0.89%vs
Members Plus Credit UnionCredit union Medford, MA60 out of 100, Moderate$349.0M11.0%0.87%vs
Massmutual Federal Credit UnionCredit union Springfield, MA67 out of 100, Moderate$344.5M11.2%0.47%vs
Fall River Municipal Credit UnionCredit union Fall River, MA62 out of 100, Moderate$316.5M9.5%0.47%vs
Taunton Federal Credit UnionCredit union Taunton, MA72 out of 100, Strong$440.5M12.0%0.77%vs
Holyoke Credit UnionCredit union Holyoke, MA53 out of 100, Below average$296.4M9.2%1.42%vs

Deposit insurance

Is my money safe at St. Jean'S Credit Union?

Yes. St. Jean'S Credit Union is a federally insured credit union (NCUA charter #67959). 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 6.2% of shares and deposits ($20.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.84%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

St. Jean'S Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, St. Jean'S Credit Union reported 68 home-loan applications under HMDA (LEI 549300UWBYWOAZYM9C07): 47 originated ($10,405,000 total), 18 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
St. Jean'S Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67959
RSSD ID
195997
Primary regulator
State + NCUA
Established
1910
Headquarters
250 Maple St, Lynn, MA 01904
Employees
65

Quick answers

St. Jean'S Credit Union: common questions

Is St. Jean'S Credit Union NCUA insured?

Yes. St. Jean'S Credit Union is a federally insured credit union (NCUA charter #67959). 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 St. Jean'S Credit Union's TellerScore?

63 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 St. Jean'S Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lynn

InstitutionScoreAssetsCapitalProblem loansCompare
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%vs
Danvers Municipal Federal Credit UnionCredit union Danvers, MA91 out of 100, Very strong$8.2M39.0%0.00%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs