Wintersville, Ohio · Peer group 2
S and J School Employees Credit Union
S and J School Employees Credit Union holds $3.0M in assets across 624 members as of Q1 2026 — about $5K of assets per member, on a charter dating to 1966. Charter number 17331, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $3.0M |
|---|---|
| Total loans | $1.9M |
| Total shares (deposits) | $2.7M |
| Net worth | $331K |
| Members | 624 |
| Assets per member | $5K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -6.0% | |
|---|---|---|
| Loans | -7.1% | around the 43rd percentile of its peer group |
| Deposits | -7.5% | around the 19th percentile of its peer group |
| Members | -1.9% | around the 46th 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 | 73.5% | around the 65th percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.1% | around the 18th percentile of its peer group |
| Return on assets | 0.45% | around the 51st percentile of its peer group |
| Delinquency ratio | 2.79% | around the 81st percentile of its peer group |
| Cash / assets | 15.3% | around the 50th 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 S and J School Employees 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 Ohio — the comparison set a peer ratio is measured against.
- U.P.S. Credit Union
Cincinnati, OH
$3.3M · 597 members
- Antioch Credit Union
Cleveland, OH
$2.6M · 728 members
- Christo Rey Credit Union
NEY, OH
$3.6M · 525 members
- M G Employees Credit Union
Marysville, OH
$2.1M · 127 members
- W T Community Credit Union
Cincinnati, OH
$4.4M · 731 members
- Nueva Esperanza Community Credit Union
Toledo, OH
$4.4M · 810 members
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