ST. JOHN UNITED Credit Union Profile

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ST. JOHN UNITED

Charter #21355 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (716) 847-1815

Fax: (716) 847-2858

Founding Date: N/A

Website: http://www.stjohnunitedfcu.com

Personnel & Operations

President: Drayton, Bertha

Manager: Pearson, Juanita

FT Employees: 0

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 54

Branches: 1

Hours: Saturday: 9-12:30 pm

Credit Union Profile Summary

ST. JOHN UNITED is a FCU Credit Union. With a total of 427 members [1], this institution manages approximately $1,164,246 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.2% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -5.74% [1].

Financial Snapshot

Total Assets [1]
$1,164,246

Total economic resources.

Total Loans [1]
$268,255

Total value of outstanding loans.

Total Deposits [1]
$998,361

Total funds deposited by members.

Members [1]
427

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.2%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.25%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
26.87%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
2.60%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
-5.74%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-4.04%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

184 Goodell St

Buffalo, NY, 14204

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by ST. JOHN UNITED (Charter #21355).

Main Office

St. John United Federal Credit Union Main Office

Type: Corporate Office

184 Goodell St

Buffalo, NY 14204

Phone: (716) 847-1815

Services: Member Services

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