St. John United

Buffalo, NY · 1 · Charter #21355 · www.stjohnunitedfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.1M
8th percentile
Members
414
15th percentile
Total loans
$235.5K
6th percentile
Total shares
$827.3K
8th percentile

Profitability

Return on assets
0.00%
16th percentile
Net interest margin
3.44%
32th percentile
Efficiency ratio
82.38%
20th percentile
Non-interest income ratio
2.08%
20th percentile

Capital & Risk

Net worth ratio
11.80%
29th percentile
Delinquency rate
6.18%
5th percentile
Net charge-off rate
1.58%
9th percentile
Loan-to-share
28.47%
11th percentile

Growth

Member growth YoY
-4.17%
23th percentile
Asset growth YoY
-0.85%
37th percentile
Loan growth YoY
-11.11%
21th percentile
Share growth YoY
-1.24%
39th percentile

Operations

Members / branch
414
19th percentile
Assets / member
$2,640
6th percentile
Field of membership penetration
2.07%
11th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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