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credit union

Saint John A M E

Niagara Falls, NY · Est. 1968
B
Trust Grade
Strong
Score: 85/100

Saint John A M E is a credit union based in Niagara Falls, New York, established in 1968, with $201 thousand in total assets serving 170 members. By Trust Grade it ranks 205th of 267 credit unions we track in New York. Its net worth ratio of 14.4% is stronger than 51% of similarly sized credit unions, versus a New York median of 12%. It posted a loss over the most recent period (-0.57% return on assets), a point to watch. No consumer complaints against Saint John A M E appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$201K
<$100M institution
Members
170
Shares & deposits
Net worth ratio
14.4%
Top 49% of <$100M peers · New York median 12%
Return on assets
-0.6%
Bottom 12% of <$100M peers · New York median 0.67%
Rank in New York
#205
of 267 credit unions

How Saint John A M E compares to New York peers

Net worth ratio
Top 49% of <$100M peers
Saint John
14.4%
New York median
12.0%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 12% of <$100M peers
Saint John
-0.6%
New York median
0.7%
Higher ROA = more profitable relative to asset base

How we graded Saint John A M E

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
85/100
Customer experience
n/a
Overall
B · 85
  • Strongly capitalized (14.4% capital ratio)
  • Unprofitable over the period (ROA -0.57%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Saint John A M E over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Saint John A M E insured?

Yes. Saint John A M E is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Saint John A M E: frequently asked questions

Is Saint John A M E a good credit union?

Saint John A M E earns a Bankzia Trust Grade of B (85/100, "Strong"), based on a financial-strength score of 85/100 (it has no CFPB complaints on record). Strongly capitalized (14.4% capital ratio); Unprofitable over the period (ROA -0.57%).

Is Saint John A M E NCUA-insured?

Yes. Saint John A M E is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Saint John A M E?

Saint John A M E holds $0 million in total assets, ranking 205th of 267 credit unions we track in New York. It serves 170 members.

Does Saint John A M E have CFPB complaints?

No CFPB complaints against Saint John A M E appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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