St. Jean's

lynn, MA · 2 · Charter #67959 · www.stjeanscu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$378.6M
36th percentile
Members
18,191
18th percentile
Total loans
$250.8M
37th percentile
Total shares
$327.7M
38th percentile

Profitability

Return on assets
0.26%
10th percentile
Net interest margin
2.83%
16th percentile
Efficiency ratio
57.84%
56th percentile
Non-interest income ratio
12.27%
13th percentile

Capital & Risk

Net worth ratio
9.54%
27th percentile
Delinquency rate
0.54%
66th percentile
Net charge-off rate
0.10%
89th percentile
Loan-to-share
76.52%
39th percentile

Growth

Member growth YoY
-3.15%
17th percentile
Asset growth YoY
-0.00%
13th percentile
Loan growth YoY
0.24%
27th percentile
Share growth YoY
2.10%
28th percentile

Operations

Members / branch
3,638
29th percentile
Assets / member
$20,814
79th percentile
Field of membership penetration
7.28%
65th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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