Sjp

Buffalo, NY · 1 · Charter #3306 · www.sjpfcu.org/
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$184.0M
84th percentile
Members
7,258
47th percentile
Total loans
$148.7M
95th percentile
Total shares
$156.6M
84th percentile

Profitability

Return on assets
1.24%
64th percentile
Net interest margin
2.51%
6th percentile
Efficiency ratio
22.97%
99th percentile
Non-interest income ratio
1.49%
1th percentile

Capital & Risk

Net worth ratio
10.66%
31th percentile
Delinquency rate
1.38%
20th percentile
Net charge-off rate
0.09%
84th percentile
Loan-to-share
94.94%
92th percentile

Growth

Member growth YoY
1.03%
70th percentile
Asset growth YoY
10.01%
88th percentile
Loan growth YoY
9.36%
84th percentile
Share growth YoY
10.22%
88th percentile

Operations

Members / branch
7,258
95th percentile
Assets / member
$25,348
93th percentile
Field of membership penetration
30.82%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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