Advertisement
State Cs Employees
WATERTOWN, NY · NCUA Charter #16207 · Federal charter · Chartered 1964
Total assets
$49.44M
Shares & deposits
$44.72M
Total loans
$38.90M
Members
2,916
Net worth
$4.60M
Branches
2
Rank: #2,401 of 4,299 U.S. credit unions by assets · #129 of 268 in New York. Assets changed 13.3% and membership 3.3% over the year to June 30, 2026.
Advertisement
Key ratios
| Net worth ratio (capital) | 9.30% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.61% |
| Loans to shares & deposits | 87.0% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $32.37M | $29.50M | $0 | $2.81M |
| Jun 2023 | $34.98M | $31.72M | $0 | $3.25M |
| Jun 2024 | $37.76M | $34.01M | $0 | $3.67M |
| Jun 2025 | $43.64M | $39.33M | $0 | $4.14M |
| Jun 2026 | $49.44M | $44.72M | $0 | $4.60M |
Branch footprint
| State | Branches |
|---|---|
| New York | 2 |
Similar-sized credit unions
Earning Tree ($49.45M) · Tonawanda Community ($49.30M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
Advertisement