ST. JOHN UNITED
Charter #21355 · Buffalo, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.12% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 6.47% sits at the 83rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 6.63% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 108.83% sits at the 79th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ST. JOHN UNITED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.12M | 19th pct | 15th pct |
| Members | 411 | 36th pct | 33th pct |
| Net worth ratio | 11.39% | 19th pct | 28th pct |
| Return on average assets | -0.32% | 26th pct | 26th pct |
| Net interest margin | 3.52% | 33th pct | 41th pct |
| Cost of funds | 0.12% | 23th pct | 21th pct |
| Loan-to-share | 24.91% | 14th pct | 15th pct |
| Delinquency 60+ days | 6.47% | 91th pct | 83th pct |
| Net charge-off ratio | 6.63% | 97th pct | 95th pct |
| Loan growth YoY | -5.33% | 50th pct | 60th pct |
| Share growth YoY | 0.09% | 50th pct | 36th pct |
| Efficiency ratio | 108.83% | 81th pct | 79th pct |
structural peer set hash: c0ef2128e313efec6d6cbd369888c9c1… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.