STATE CS EMPLOYEES
Watertown, NY · Federal Credit Union · Chartered in NY
Who can join
Community — open geographic area
Members
2,866
Net Worth Ratio
9.01%
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
$48.7M
Peer Group 3
Members
2,866
as of latest quarter
Net Worth Ratio
9.01%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$48.7M
Total Shares
$44.1M
Total Loans
$36.8M
Net Income
$117K
Net Worth Ratio
9.01%
≥7% = Well Capitalized
Members
2,866
Return on Assets
0.24%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.41%
$151K
Loan-to-share ratio: 83.4%· healthy range 60–80%
Branch Locations
NCUAMAIN OFFICE
Dulles State Office Building, WATERTOWN, NY, 13601
8:00 A.M. - 3:00 P.M. MONDAY THRU FRIDAY
BRANCH OFFICE
144 Eastern Boulevard, WATERTOWN, NY, 13601
8:00 A.M. - 4:30 P.M. MONDAY THRU FRIDAY
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/state-cs-employees" target="_blank" rel="noopener">View STATE CS EMPLOYEES on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.