St. Josephs Parish Buffalo Federal Credit Union

Buffalo, NY

Rating Date

September 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

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Weiss Ratings	St. Josephs Parish Buffalo Federal Credit Union Buffalo, NY	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	7.10
Capitalization Index	8.60
Liquidity Index	2.80
Profitability Index	7.20
Stability Index	6.30

Company Info	St. Josephs Parish Buffalo Federal Credit Union Buffalo, NY	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	1027
Phone Number	(716) 833-9670
Website	www.sjpfcu.org

Asset Quality	St. Josephs Parish Buffalo Federal Credit Union Buffalo, NY	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	12.08%
5-Year Asset Growth	13.05%
5-Year Charge-Offs to Average Loans	0.11%
Charge-Offs to Average Loans	0.13%
Non-Performing Assets to Assets	0.96%
Non-Performing Loans to Capital	8.71%
Non-Performing Loans to Loans	1.18%

Balance Sheet	St. Josephs Parish Buffalo Federal Credit Union Buffalo, NY	Click to Compare	Click to Compare	Click to Compare
Total Assets	175.31M
Total Deposits	153.56M

Capital and Reserves	St. Josephs Parish Buffalo Federal Credit Union Buffalo, NY	Click to Compare	Click to Compare	Click to Compare
Capital	18.57M
Leverage Ratio	10.59
Loan Loss Reserves to Loans	0.47%

Liquidity	St. Josephs Parish Buffalo Federal Credit Union Buffalo, NY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	26.24%
Liquidity Ratio	24.46%

Profitability	St. Josephs Parish Buffalo Federal Credit Union Buffalo, NY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.47%
Net Income	968.00K
Net Interest Spread	3.13%
Operating Profit to Average Assets	1.19%
Overhead Efficiency Ratio	55.03%
Return on Assets	1.13%
Return on Equity	10.74%