credit union

S And J School Employees

Wintersville, OH · Est. 1966
A
Trust Grade
Excellent
Score: 90/100

S And J School Employees is a credit union based in Wintersville, Ohio, established in 1966, with $3 million in total assets serving 624 members. By Trust Grade it ranks 117th of 195 credit unions we track in Ohio. Its net worth ratio of 11.1% trails most similarly sized credit unions (25th percentile), versus a Ohio median of 12%. It was profitable over the most recent period, with a 0.45% return on assets. No consumer complaints against S And J School Employees appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$3.0M
<$100M institution
Members
624
Shares & deposits
—
Net worth ratio
11.1%
Bottom 25% of <$100M peers · Ohio median 12%
Return on assets
0.5%
Bottom 42% of <$100M peers · Ohio median 0.69%
Rank in Ohio
#117
of 195 credit unions

How S And J School Employees compares to Ohio peers

Net worth ratio
Bottom 25% of <$100M peers
S And
11.1%
Ohio median
12.0%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 42% of <$100M peers
S And
0.5%
Ohio median
0.7%
Higher ROA = more profitable relative to asset base

How we graded S And J School Employees

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
90/100
Customer experience
n/a
Overall
A · 90
  • Strongly capitalized (11.1% capital ratio)
  • Profitable (ROA 0.45%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for S And J School Employees over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at S And J School Employees insured?

Yes. S And J School Employees is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

S And J School Employees: frequently asked questions

Is S And J School Employees a good credit union?

S And J School Employees earns a Bankzia Trust Grade of A (90/100, "Excellent"), based on a financial-strength score of 90/100 (it has no CFPB complaints on record). Strongly capitalized (11.1% capital ratio); Profitable (ROA 0.45%).

Is S And J School Employees NCUA-insured?

Yes. S And J School Employees is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is S And J School Employees?

S And J School Employees holds $3 million in total assets, ranking 117th of 195 credit unions we track in Ohio. It serves 624 members.

Does S And J School Employees have CFPB complaints?

No CFPB complaints against S And J School Employees appear in our data over the analysis window, which is typical for a credit union of this size.

Similar Credit Unions

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M G Employees
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W T Community
credit union · Cincinnati, OH · $4M assets
Nueva Esperanza Community
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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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