Sep, 30, 2025 — ST. JOHN UNITED FEDERAL CREDIT UNION is a federal credit union headquartered in BUFFALO, NY with 1 branch location and about $1.13 million in total assets. Opened 53 years ago in 1973, ST. JOHN UNITED FEDERAL CREDIT UNION has about 423 members offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ST. JOHN UNITED FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 184 Goodell St BUFFALO, NY 14204 |
| Phone: | (716) 847-1815 |
| Fax: | (716) 847-2858 |
| Website: | https://www.stjohnunitedfcu.com |
| Branches: | 1 branch locations |
| Members: | 423 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 21355 |
|---|---|
| Membership Type: | Multiple common bond - Primarily faith based |
| Corporate Credit Union: | No |
| Year Opened: | 1973 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $1,125,406 |
| CEO/Manager: | Juanita H Pearson |
| Chairperson: | Bertha M Drayton |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 419,299 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 127,856 |
| Other Loans | 125,132 |
| TOTAL LOANS | 252,988 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -8,946 |
| Land And Building | 0 |
| Other Fixed Assets | 1 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 9,377 |
| All Other Assets | 0 |
| TOTAL ASSETS | 1,125,406 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 743 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 37,881 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 860,822 |
| All Other Shares & Deposits | 100,000 |
| TOTAL SHARES & DEPOSITS | 960,822 |
| TOTAL LIABILITIES | 999,446 |
| Regular Reserve | 0 |
| Other Reserves | 29,279 |
| Undivided Earnings | 96,681 |
| TOTAL EQUITY | 125,960 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 1,125,406 |
| INCOME & EXPENSE | |
| Loan Income | 13,660 |
| Investment Income | 14,325 |
| Other Income | 686 |
| Total Employee Compensation & Benefits | 2,153 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 22,353 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 6,177 |
| Cost of Funds | 1,000 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -3,012 |
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