St. John United
Buffalo, NY · Charter 21355 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 1 branch
Q2 2026
$1.1MAssets
$215KLoans
$988KShares
$124KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 27% of credit unions under $1B in assets in NY (rank 43 of 59).
- Widest gap: return on equity trails 98% of credit unions under $1B in assets in NY (rank 58 of 59).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.87%
Rank 55 of 59
Net Interest Margin
3.31%
Rank 43 of 59
Efficiency Ratio
84.21%
Rank 49 of 59
Equity / Assets
10.80%
Rank 47 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.87% | 0.28% | 1.01% | 1.42% | Beats 7% | 55 / 59 | |
| Return on Equity | -8.06% | 2.31% | 7.92% | 10.52% | Beats 2% | 58 / 59 | |
| Net Interest Margin | 3.31% | 3.24% | 3.66% | 4.04% | Beats 27% | 43 / 59 | |
| Efficiency Ratio | 84.21% | 63.53% | 74.15% | 82.44% | Beats 19% | 49 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.65% | 0.32% | 0.68% | 1.20% | Beats 8% | 55 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.80% | 10.94% | 13.05% | 16.06% | Beats 20% | 47 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.80% | 10.94% | 13.05% | 16.06% | Beats 20% | 47 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 21.76% | 40.49% | 57.59% | 78.86% | 7th pctl | 55 / 59 | |
| Loans / Assets | 18.73% | 33.06% | 50.92% | 63.03% | 7th pctl | 55 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |