Niagara Falls, New York · Peer group 1
Saint John a M E Credit Union
Saint John a M E Credit Union holds $201K in assets across 170 members as of Q1 2026 — about $1K of assets per member, on a charter dating to 1968. Charter number 18528, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $201K |
|---|---|
| Total loans | $120K |
| Total shares (deposits) | $171K |
| Net worth | $29K |
| Members | 170 |
| Assets per member | $1K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -2.1% | |
|---|---|---|
| Loans | 21.4% | around the 88th percentile of its peer group |
| Deposits | -1.3% | around the 57th percentile of its peer group |
| Members | -1.7% | around the 50th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 70.4% | around the 72nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 14.4% | around the 34th percentile of its peer group |
| Return on assets | -0.57% | around the 30th percentile of its peer group |
| Delinquency ratio | 6.93% | around the 80th percentile of its peer group |
| Cash / assets | 39.9% | around the 72nd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Saint John a M E Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New York — the comparison set a peer ratio is measured against.
- Far Rockaway Postal Credit Union
Far Rockaway, NY
$223K · 48 members
- Greater Centennial Credit Union
Mount Vernon, NY
$277K · 182 members
- Berea Credit Union
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$96K · 95 members
- Southern Baptist Church of New York Credit Union
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$78K · 105 members
- Union Baptist Greenburgh Credit Union
WHITE PLAINS, NY
$328K · 153 members
- Paul Quinn Credit Union
Jamaica, NY
$358K · 146 members
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