STATE CS EMPLOYEES
Federal • WATERTOWN, New York • Est. 1964
Quick Facts
- Charter Number
- #16207
- Type
- Federal
- Established
- 1964
- Headquarters
- WATERTOWN, New York 13601
- Address
- 317 WASHINGTON ST
- Branches
- 2
- ATMs
- 2
- Members
- 2,842
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
2,842 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | STATE CS EMPLOYEES |
|---|---|
| Total Assets | $46.5M |
| Members | 2,842 |
| Loans Outstanding | $36.6M |
| Shares & Deposits | $41.9M |
| Net Worth | $4.3M |
| Net Worth Ratio | 9.19% |
| Loan-to-Share Ratio | 87.2% |
| Delinquency Rate | 0.42% |
| Net Income | +$624,781 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 2 ATMs
MAIN OFFICE
Main OfficeDulles State Office Building
WATERTOWN, NY 13601
BRANCH OFFICE
144 Eastern Boulevard
WATERTOWN, NY 13601
Who Can Join STATE CS EMPLOYEES?
Membership Type: Community
Membership eligibility for STATE CS EMPLOYEES may vary. Contact the credit union directly to confirm qualification requirements.
Contact STATE CS 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. STATE CS 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, STATE CS EMPLOYEES has 2,842 members and a potential membership field of 9,944 people.
STATE CS EMPLOYEES's net worth ratio is 9.19% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.2%, STATE CS EMPLOYEES meets this threshold.
STATE CS EMPLOYEES operates 2 branch locations and has access to 2 ATMs. The main office is located at Dulles State Office Building, WATERTOWN, NY 13601.
STATE CS EMPLOYEES was established in 1964. It is a federal credit union chartered under charter number 16207. 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 STATE CS EMPLOYEES. All financial data is for informational purposes only.