Charter 18528 · Niagara Falls, NY
Saint John A M E Federal Credit Union
Saint John A M E Federal Credit Union is a federally chartered credit union in Niagara Falls, New York, with $189 thousand in assets and 170 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 15.75%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $189 thousand
- -6.8% in a year
- Members
- 170
- -1.2% in a year
- Net worth ratio
- 15.75%
- Peer median 19.32%
- Loans 60+ days late
- 0.74%
- Peer median 0.66%
- Loans outstanding
- $123 thousand
- +36.9% in a year
- Shares and deposits
- $159 thousand
- -8.0% in a year
- Branches
- 1
- 2 employees
- Opened
- 1968
- Federal charter
How Saint John A M E Federal Credit Union compares
NCUA groups credit unions by size; Saint John A M E Federal Credit Union is in the group with under $2 million in assets (232 credit unions). Its net worth ratio of 15.75% is lower than that group's median of 19.32%, and its share of loans 60 or more days past due, 0.74%, is higher than the group median of 0.66%. Loans grew 36.9% over the year to Q2 2026, against a group median of a 7.3% fall.
By assets it ranks 266 of 268 credit unions headquartered in New York. See all New York credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $189 thousand | 170 | $123 thousand | 15.75% | 0.74% |
| Q1 2026 | $201 thousand | 170 | $120 thousand | 14.43% | 6.93% |
| Q4 2025 | $192 thousand | 169 | $118 thousand | 15.23% | 4.32% |
| Q3 2025 | $192 thousand | 172 | $87 thousand | 15.64% | 1.82% |
| Q2 2025 | $203 thousand | 172 | $90 thousand | 14.74% | 0.00% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 250 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital. It is designated a minority depository institution.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 1 site for Saint John A M E Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- SAINT JOHN AME FCU (main office)
917 Garden Ave, Niagara Falls, NY 14305
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology