SAINT JOHN A M E
Charter #18528 | NY
<100M
(2596 CUs)
Micro
($0-$500M)
188 <100M in NY
SAINT JOHN A M E has 5 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.89% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Efficiency ratio 15.64% above tier (higher cost structure)
- - Delinquency rate 0.31% above tier average
- - Total Assets: Bottom 1.0% in tier
- - Total Deposits: Bottom 1.3% in tier
- - Average Member Relationship (AMR): Bottom 1.9% in tier
- - Total Loans: Bottom 2.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
- - Total Members: Bottom 3.7% in tier
- - Members Per Employee (MPE): Bottom 5.4% in tier
- - Fee Income Per Member: Bottom 6.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
172
+1.2% YoY0% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 3.7% in tier |
| Assets |
$192,211
-4.2% YoY-5.1% QoQ
|
$-29.7M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.9% in tier |
| Loans |
$87,349
-1.8% YoY-2.6% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.8% in tier |
| Deposits |
$161,665
-5.3% YoY-6.2% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.2% in tier |
| ROA |
0.1%
+12.6% YoY-28.8% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 21.4% in tier |
| NIM |
4.8%
+18.9% YoY-6.6% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 17.7% in tier |
| Efficiency Ratio |
97.0%
+0.2% YoY+1.0% QoQ
|
+15.6% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 13.6% in tier |
| Delinquency Rate | 1.8% | +0.3 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 22.6% in tier |
| Loan To Share |
54.0%
+3.6% YoY+3.9% QoQ
|
-7.2% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
38th in tier |
| AMR |
$1,448
-5.2% YoY-5.0% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
459
Net Interest Margin (NIM)
profitability
Value:
4.82%
Peer Avg: 3.93%
#459 of 2596
Top 17.6% in <100M tier
576
Member Growth Rate
growth
Value:
1.18%
Peer Avg: 14.92%
#576 of 2596
Top 22.1% in <100M tier
Top Weaknesses (14 metrics)
2572
Total Assets
balance_sheet
Value:
$192,211
Peer Avg: $29.86M
#2572 of 2596
Bottom 1.0% in <100M tier
2564
Total Deposits
balance_sheet
Value:
$161,665
Peer Avg: $25.45M
#2564 of 2596
Bottom 1.3% in <100M tier
2547
Average Member Relationship (AMR)
engagement
Value:
$1,448
Peer Avg: $14,627
#2547 of 2596
Bottom 1.9% in <100M tier
2523
Total Loans
balance_sheet
Value:
$87,349
Peer Avg: $15.77M
#2523 of 2596
Bottom 2.9% in <100M tier
2504
Loan-to-Member Ratio (LMR)
engagement
Value:
$507.84
Peer Avg: $5,488
#2504 of 2596
Bottom 3.6% in <100M tier
2501
Total Members
engagement
Value:
172
Peer Avg: 2,626
#2501 of 2596
Bottom 3.7% in <100M tier
2458
Members Per Employee (MPE)
engagement
Value:
86.000
Peer Avg: 365.701
#2458 of 2596
Bottom 5.4% in <100M tier
2425
Fee Income Per Member
profitability
Value:
$0.60
Peer Avg: $182.96
#2425 of 2596
Bottom 6.6% in <100M tier
2244
Efficiency Ratio
profitability
Value:
97.03%
Peer Avg: 81.39%
#2244 of 2596
Bottom 13.6% in <100M tier
2162
Asset Growth Rate
growth
Value:
-4.19%
Peer Avg: 1.82%
#2162 of 2596
Bottom 16.8% in <100M tier