NEXT STEP
Troy, NY · Federal Credit Union · Chartered in NY
Who can join
Employer / occupational group
Members
4,313
Net Worth Ratio
9.89%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$107.1M
Peer Group 5
Members
4,313
as of latest quarter
Net Worth Ratio
9.89%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$107.1M
Total Shares
$96.8M
Total Loans
$33.9M
Net Income
$123K
Net Worth Ratio
9.89%
≥7% = Well Capitalized
Members
4,313
Return on Assets
0.12%
annualized · >0.5% healthy
Delinquency Rate (60d+)
2.03%
$687K
Loan-to-share ratio: 35.0%· healthy range 60–80%
Branch Locations
NCUATroy Branch
150 Defreest Dr, Troy, NY, 12180
Mon-Thur: 9-4:30 Fri: 9-6 Sat: 9-1
Albany Branch
325 Washington Avenue Ext, Albany, NY, 12205-5581
Mon- Thur: 9-4:30 Fri: 9-6 Sat: 9-1
Troy Branch
150 Defreest Dr, Troy, NY, 12180
Mon-Thur: 9-4:30 Fri: 9-6 Sat: 9-1
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/next-step" target="_blank" rel="noopener">View NEXT STEP on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.