SCHENECTADY COUNTY EMPLOYEES
Federal • Schenectady, New York • Est. 1964
Quick Facts
- Charter Number
- #16278
- Type
- Federal
- Established
- 1964
- Headquarters
- Schenectady, New York 12305
- Address
- 388 Broadway Suite B
- Branches
- 1
- Members
- 645
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
645 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SCHENECTADY COUNTY EMPLOYEES |
|---|---|
| Total Assets | $5.5M |
| Members | 645 |
| Loans Outstanding | $3.5M |
| Shares & Deposits | $5.0M |
| Net Worth | $384K |
| Net Worth Ratio | 7.17% |
| Loan-to-Share Ratio | 70.5% |
| Delinquency Rate | 1.89% |
| Net Income | +$21,571 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
Schenectady County EFCU
Main Office388 Broadway
Schenectady, NY 12305
Who Can Join SCHENECTADY COUNTY EMPLOYEES?
Membership Type: Community
Membership eligibility for SCHENECTADY COUNTY EMPLOYEES may vary. Contact the credit union directly to confirm qualification requirements.
Contact SCHENECTADY COUNTY EMPLOYEES directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New York RankingsFrequently Asked Questions
Yes. SCHENECTADY COUNTY EMPLOYEES is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SCHENECTADY COUNTY EMPLOYEES has 645 members and a potential membership field of 5,000 people.
SCHENECTADY COUNTY EMPLOYEES's net worth ratio is 7.17% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 7.2%, SCHENECTADY COUNTY EMPLOYEES meets this threshold.
SCHENECTADY COUNTY EMPLOYEES operates 1 branch location. The main office is located at 388 Broadway, Schenectady, NY 12305.
SCHENECTADY COUNTY EMPLOYEES was established in 1964. It is a federal credit union chartered under charter number 16278. The institution has been serving members for 62 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SCHENECTADY COUNTY EMPLOYEES. All financial data is for informational purposes only.