St. John United Federal Credit Union (NCUA charter #21355) is based in Buffalo, New York. Its Q2 2026 call report shows $1.1M in total assets and $988K in member shares and deposits and 1 office.
Based on its Q2 2026 filing, St. John United Federal Credit Union scores 41/100, which we describe as below average. That is higher than only 3% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 259th. Its strongest component is funding & liquidity (100/100; 22% loans-to-deposits, 0% uninsured), and its lowest is earnings (0/100; -0.82%).
TellerScore · Q2 2026
Scorecard
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 7 points (48 → 41), mostly because the earnings component weakened by 30 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 46 |
| Q3 2024 | 49 |
| Q4 2024 | 73 |
| Q1 2025 | 41 |
| Q2 2025 | 48 |
| Q3 2025 | 44 |
| Q4 2025 | 47 |
| Q1 2026 | 43 |
| Q2 2026 | 41 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.94% |
| Q3 2024 | 11.02% |
| Q4 2024 | 11.70% |
| Q1 2025 | 10.92% |
| Q2 2025 | 11.20% |
| Q3 2025 | 11.19% |
| Q4 2025 | 11.80% |
| Q1 2026 | 11.39% |
| Q2 2026 | 10.83% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 4.93% |
| Q3 2024 | 4.57% |
| Q4 2024 | 0.66% |
| Q1 2025 | 3.88% |
| Q2 2025 | 4.83% |
| Q3 2025 | 3.58% |
| Q4 2025 | 6.18% |
| Q1 2026 | 6.47% |
| Q2 2026 | 4.62% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.53% |
| Q1 2025 | -0.55% |
| Q2 2025 | 0.24% |
| Q3 2025 | -0.36% |
| Q4 2025 | 0.00% |
| Q1 2026 | -0.31% |
| Q2 2026 | -0.82% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 41 | $1.1M | 10.83% | 4.62% | -0.82% | 21.8% |
| Q1 2026 | 43 | $1.1M | 11.39% | 6.47% | -0.31% | 24.9% |
| Q4 2025 | 47 | $1.1M | 11.80% | 6.18% | 0.00% | 25.4% |
| Q3 2025 | 44 | $1.1M | 11.19% | 3.58% | -0.36% | 26.3% |
| Q2 2025 | 48 | $1.2M | 11.20% | 4.83% | 0.24% | 26.9% |
| Q1 2025 | 41 | $1.2M | 10.92% | 3.88% | -0.55% | 26.1% |
| Q4 2024 | 73 | $1.1M | 11.70% | 0.66% | 0.53% | 28.3% |
| Q3 2024 | 49 | $1.2M | 11.02% | 4.57% | 0.47% | 26.4% |
| Q2 2024 | 46 | $1.1M | 10.94% | 4.93% | 0.19% | 29.2% |
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).
Similar-size credit unions in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Akron School Employees Federal Credit UnionCredit union Akron, NY | 87 out of 100, Very strong | $1.2M | 20.9% | 0.00% | vs |
| Amnh Employees Federal Credit UnionCredit union New York, NY | 87 out of 100, Very strong | $1.0M | 20.3% | 0.00% | vs |
| Mount Vernon NY Postal Employees Federal Credit UnionCredit union Mount Vernon, NY | 54 out of 100, Below average | $1.0M | 16.5% | 3.75% | vs |
| St. Philip'S Church Federal Credit UnionCredit union New York, NY | 74 out of 100, Strong | $1.3M | 35.5% | 10.67% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Harrison Teachers Federal Credit UnionCredit union Harrison, NY | 65 out of 100, Moderate | $1.0M | 18.3% | 8.92% | vs |
Deposit insurance
Is my money safe at St. John United Federal Credit Union?
Yes. St. John United Federal Credit Union is a federally insured credit union (NCUA charter #21355). 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 10.83%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
St. John United Federal Credit Union lists 1 office in 1 city. Most locations:
- Buffalo, NY (1)
Identity & history
Profile
- Legal name
- St. John United Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 21355
- RSSD ID
- 386982
- Primary regulator
- NCUA
- Established
- 1973
- Headquarters
- 184 Goodell St, Buffalo, NY 14204
- Employees
- 1
Quick answers
St. John United Federal Credit Union: common questions
Is St. John United Federal Credit Union NCUA insured?
Yes. St. John United Federal Credit Union is a federally insured credit union (NCUA charter #21355). 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. John United Federal Credit Union's TellerScore?
41 out of 100 (Below average), 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. John United Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Buffalo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Moog Employees Federal Credit UnionCredit union East Aurora, NY | 100 out of 100, Very strong | $257.3M | 26.6% | 0.00% | vs |
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY | 96 out of 100, Very strong | $168.4M | 23.9% | 0.12% | vs |
| Town of Cheektowaga Federal Credit UnionCredit union Cheektowaga, NY | 95 out of 100, Very strong | $38.1M | 17.2% | 0.00% | vs |
| Crossroads Community Federal Credit UnionCredit union Cheektowaga, NY | 95 out of 100, Very strong | $96.9M | 15.3% | 0.18% | vs |
| Meridia Community Federal Credit UnionCredit union Hamburg, NY | 94 out of 100, Very strong | $144.1M | 16.4% | 0.27% | vs |