SJP Federal Credit Union

Overview / Commentary
341 Englewood Ave
Buffalo, NY 14223

SJP Federal Credit Union is headquartered in Buffalo and is the 66th largest credit union in the state of New York. It is also the 1,493rd largest credit union in the nation. It was established in 1939 and as of December of 2023, it had grown to 12 employees and 6,982 members at 1 location. SJP Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in SJP Buffalo Federal Credit Union is open to parishioners of St. Joseph (Buffalo), St. Amelia (Towanda), and Blessed Sacrament (Buffalo) parishes, as well as members of the Knights of Columbus #3875.
See current membership details

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6 Month CD 5.75% APY - 8/23/2023

If you don't meet residency requirements, you can become a member of this credit union by joining Healthy Buffalo for $10.00 (+.68 processing fee). The application and account opening process was easy and straightforward, and CSR Sarah was very knowledgeable. I learned that NY state law requires you to name a beneficiary on a CD, which could be a problem for some people. The following details are from SJP's website: " The minimum dollar amount required to open a Certificate of Deposit is $500. There is no minimum dollar amount to earn the APY on Certificate of Deposits. The APY is paid on the entire balance. Fees could reduce the earnings on the account. An early withdrawal penalty will be imposed on early withdrawals. The early withdrawal penalty is equal to half the days interest to maturity earned on the respective term. Dividends are paid monthly on IRAs and Money Market accounts. Dividends are paid at maturity on Certificate of Deposits."


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Health Grade Components

NCUA #3306
Year Chartered1939
Primary Regulator
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD7.97%
Annual Interest Income$7.2MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$147.6MM$121.9MM
LoansQ4 2023vs Q4 2022$128.5MM$111.2MM
DepositsQ4 2023vs Q4 2022$129.3MM$106.3MM
Equity CapitalQ4 2023vs Q4 2022$16MM$14.7MM
Loan Loss AllowanceQ4 2023vs Q4 2022$487K$319K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$1MM$337K
Real Estate OwnedQ4 2023vs Q4 2022$0$0

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SJP Federal Credit Union Locations
Branch Office341 Englewood AveBuffalo, NY 14223-2819

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