This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
NIAGARA FALLS, NY
Health score
75.5
Total assets
$188.7K
Credit union
New York, NY
Health score
51.7
Total assets
$351.7K
Answer first
SAINT JOHN A M E leads on financial health and capitalization and profitability; URBAN EMPOWERMENT leads on lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
SAINT JOHN A M E
Higher TFS health score
Capitalization
SAINT JOHN A M E
Higher comparable capital ratio
Profitability
SAINT JOHN A M E
Higher return on assets
Lending quality
URBAN EMPOWERMENT
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | SAINT JOHN A M E | URBAN EMPOWERMENT |
|---|---|---|
| TFS health score | 75.5/100Leads | 51.7/100 |
| Total assets | $188.7K | $351.7K |
| Total deposits / shares | $158.6K | $170.0K |
| Net worth ratio | 15.75%Leads | 10.83% |
| Return on assets | 0.52%Leads | -6.47% |
| Return on equity | 3.29%Leads |
SAINT JOHN A M E
1 branches
URBAN EMPOWERMENT
2 branches
Both institutions report branches in 1 state: NY.
SAINT JOHN A M E
Unavailable
URBAN EMPOWERMENT
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
SAINT JOHN A M E
0 in TFS registry
URBAN EMPOWERMENT
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | SAINT JOHN A M E score | SAINT JOHN A M E ROA | URBAN EMPOWERMENT score | URBAN EMPOWERMENT ROA |
|---|---|---|---|---|
| 2026-Q1 | 59.5/100 | -0.57% | 53.5/100 | -7.76% |
| 2026-Q2 | 75.5/100 | 0.52% | 51.7/100 | -6.47% |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| -59.78% |
| 60+ day delinquency | 0.74% | 0.00%Leads |
| Net charge-offs | 0.00% | 0.00% |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 77.40% | 8.28% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 1 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |