Credit union · NCUA insured
SJP Federal Credit Union
Top CarrotA $186M credit union headquartered in Buffalo, NY, with 7,258 members and 1 branch in New York. Best rates: CDs 4.40% and savings 3.56% APY.
SJP Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#2 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About SJP Federal Credit Union
SJP Federal Credit Union is located in Buffalo, New York.
- Headquarters
- 341 Englewood Ave, Buffalo, NY 14223-2819
- NCUA charter
- 3306
Branches
1 branch in New York
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New York
1 branch
- 341 Englewood AvenueMain office341 Englewood Ave, Buffalo, NY 14223Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.29% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.93% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.26% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $94 | $76 | — |
- CapitalNet worth ratio11.29%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.93%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.26%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$94Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of SJP Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.