# ST. JOHN UNITED
Buffalo, NY · NCUA charter 21355 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/st-john-united-21355

Who the members are: federal charter, multiple common bond, organized 1973, low-income designated, minority depository institution. 411 members of 20,000 potential (2.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 10.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.1M |
| Members | 411 (-5.1% YoY) |
| Full-time staff | 0 |
| Net worth | $128,103 |
| Net worth ratio | 11.4% (p26 of band) |
| ROA (annualized) | -0.31% (p18 of band) |
| Total delinquency | 6.47% (p95 of band) |
| Net charge-offs (annualized) | 6.58% (p98 of band) |
| Loans / shares | 25% (p9 of band) |
| Cash / assets | 78.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.47% (p33 of band) |
| Operating expense / assets | 3.87% (p57 of band) |
| Vehicles % of loans | 51% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 49% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 90% |
| Certificates % of member funds | 0% |
| Average share balance | $2,147 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 10% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $5,570 |
| Loans granted, annualized | $139,516 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 5 | losing money, repo signal, assets shrinking, members leaving |  |
| 2017-06 | 3 |  | losing money, repo signal |
| 2017-09 | 3 |  |  |
| 2017-12 | 5 | net worth falling, losing money, charge-offs p90 | delinquency 2x band |
| 2018-03 | 2 |  | assets shrinking, losing money, charge-offs p90 |
| 2018-06 | 4 | delinquency 2x band, loan book shrinking |  |
| 2018-09 | 3 |  | net worth falling |
| 2018-12 | 4 | delinquency rising |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 1 |  | delinquency 2x band, loan book shrinking, delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 5 | losing money, delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2020-06 | 6 | net worth falling, loan book shrinking | charge-offs p90 |
| 2020-09 | 3 |  | delinquency 2x band, delinquency rising, loan book shrinking |
| 2020-12 | 6 | delinquency 2x band, charge-offs p90, loan book shrinking |  |
| 2021-03 | 5 | margin squeeze | charge-offs p90, loan book shrinking |
| 2021-06 | 4 | charge-offs p90 | losing money, delinquency 2x band |
| 2021-09 | 1 |  | net worth falling, margin squeeze, charge-offs p90 |
| 2021-12 | 2 | delinquency 2x band |  |
| 2022-03 | 4 | margin squeeze, charge-offs p90, loan book shrinking | delinquency 2x band |
| 2022-06 | 8 | net worth falling, losing money, delinquency 2x band, delinquency rising |  |
| 2022-09 | 7 |  | margin squeeze |
| 2022-12 | 4 |  | loan book shrinking, delinquency 2x band, delinquency rising |
| 2023-03 | 5 | delinquency 2x band, delinquency rising, assets shrinking | charge-offs p90, net worth falling |
| 2023-06 | 4 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | loan book shrinking |  |
| 2024-03 | 3 |  | charge-offs p90, loan book shrinking |
| 2024-06 | 4 | delinquency 2x band, delinquency rising | losing money |
| 2024-09 | 5 | charge-offs p90 |  |
| 2024-12 | 4 |  | delinquency 2x band |
| 2025-03 | 5 | losing money, delinquency 2x band | charge-offs p90 |
| 2025-06 | 2 |  | assets shrinking, delinquency rising, losing money |
| 2025-09 | 4 | losing money, charge-offs p90 |  |
| 2025-12 | 5 | delinquency rising, loan book shrinking | losing money |
| 2026-03 | 6 | losing money, assets shrinking | loan book shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-07-11 [Jarred BARKER Obituary (2021) - Buffalo, NY - Buffalo News - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxOVXVTeDlzLWc0RFdhNnY2bmdGSmxxdzZFVWRwWW1SU0IycVdlVVNrVXVsV1B6eXJtM3ZDX3ppZ2pBYWc3d3hGSXZfNnp2cml5aGhuUVVEZVBILXRsMkpWX2xHZW1ZQTJ5eDFZcFJxMGFRS29rS0NaeDNoWmI3MkpLTVI2Y0szWFNDM290eDFMUTE?oc=5) · Legacy obituary
- 2023-03-06 [Manitowoc's Grow It Forward suffers significant flooding. How you can help, plus more news in Streetwise. - Herald Times Reporter](https://news.google.com/rss/articles/CBMirAFBVV95cUxNNjgwV2ltLUh5MU9ZckZDVzhBc1dwd010VUJMTWJXaUZoUWtlTUdKVGlUNERlWGZGdHFiZzdhRURIeFlJOUxJMGRSQ1RESjY1V3VSVVFBSmNJWHBRT0tXY3BGbnhiM3k5ZC0tQjlTbFVwekVDNThfSHZTT0NFV0xZeHFSMVYtWkRTa0V4VFNoNlRKV1Y1VEVhaUQyMUdQdkJvMUZIaXVObzhzdnpS?oc=5) · Herald Times Reporter
- 2017-01-08 [Faith THURMOND Obituary (2017) - Buffalo, NY - Buffalo News - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxPS214ZzlTUl9Pa0l3dmtaTGJja0RWRmllZC0yNUlPaWVtOU1aTHJoRHBBTUFENk5xcU9lcWhNUWg1TTJFWVcyQ0hycVNWWG83aS0wNmlEU0VtVUZoZWhxS29yMHlDQ2FsVDlsd21LTlEtdXIzcDllMm4yOU5LVDlkd01iclR4S2RzSC05RzRDZmxqQUk?oc=5) · Legacy obituary
- 2005-07-02 [Announcements, July 3 - Greeley Tribune](https://news.google.com/rss/articles/CBMicEFVX3lxTFBBcGJTSkMyTV83MWxDXzVNWTllY3diMHlhck9FRWtUTXlEQWFycXZaOWcwVFM4bWFzdlZxOHViamR3U2FrTGdoY2dfUUlEUDZpQVd5cVMtSjZIeHFOWGh1Y2ZHbUVtQmVBemdqUEFtQ0w?oc=5) · Greeley Tribune
- 2022-08-12 [Paul Jerome Jacobs Jr. - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTE5mcGMxeUhQNlNPenFqQkFlek9CTVcyUElxT016VVZZNDlrYVhmVTdHaE5EQlIxSjBiN1JJWVd6R1loV2lsd0VzcTE0ZllPcUVlSjlhS0d2cmpQZXpSOGdBQWc1bWpNMXp5Q0NLVGNKWlZvMGRRREJLSFRVT05lRms?oc=5) · Legacy obituary
- 2022-09-11 [Martin McGough Obituary (1977 - 2018) - Dover, NH - Foster's Daily Democrat - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxQQmNtWXRkQko3eHRZbWFNN3kwQ1dKVjdsY1NWdGRqSkx5bm9GSWdVQVdhbmJDSDhHeTlVUUVHQWdtTlVocFM4TWQxRG1ZWjVUVlhCNlh1UEhldlc5MWxBakd1MHhlT0ZNNGJKb2g1dzdadG8xNWFVZ0xfVl9uM25wX29KWG1sMGJ3a0VPQ0FR?oc=5) · Legacy obituary
- 2005-10-24 [Lawrence Hagely Obituary (2005) - Fairview Heights, IL - St. Louis Post-Dispatch - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxPXy1WeXhsQjJxSVdaQ2V0YXZkdy1PSGM4T01HRnlpeS1nTkZDb0FkZXZXekttNkJpN3p2Yjd3ckxwWVJtSFlTU1ZGYjJHRG9hUHZuTW1hbVJGV2Z5WFcyOVd5UF92YVozcDZSd2tuOU5fM0dpYTYyazM5NW5JTjU3SGhhM194dml1c2ZBS0FiWQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21355 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/43.json (key "21355", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=21355
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide