TellerScore

Headquartered in Salamanca, New York, C C S E Federal Credit Union is a federal credit union with $61.1M in total assets and $54.4M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1977.

Based on its Q2 2026 filing, C C S E Federal Credit Union scores 78/100, which we describe as strong. That is higher than 59% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 84th. Its strongest component is funding & liquidity (100/100; 54% loans-to-deposits, 1% uninsured), and its lowest is capital cushion (59/100; 10.94%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.94%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.37%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity100/100
Loans ÷ shares: 53.6% · 1.2% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.61%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (75 → 78), mostly because the capital cushion component improved by 13 points.

TellerScore
697682Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202469
Q4 202471
Q1 202569
Q2 202575
Q3 202574
Q4 202576
Q1 202682
Q2 202678
Net worth ratio
7.00%8.97%10.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.33%
Q3 20249.49%
Q4 20249.62%
Q1 20259.32%
Q2 20259.61%
Q3 20259.90%
Q4 202510.29%
Q1 202610.63%
Q2 202610.94%
Delinquent loans (60+ days)
0.12%0.27%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.31%
Q3 20240.22%
Q4 20240.13%
Q1 20250.28%
Q2 20250.17%
Q3 20250.35%
Q4 20250.43%
Q1 20260.12%
Q2 20260.37%
Return on assets
0.46%0.98%1.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.73%
Q3 20240.46%
Q4 20240.48%
Q1 20250.58%
Q2 20251.09%
Q3 20251.12%
Q4 20251.21%
Q1 20261.51%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$61.1M10.94%0.37%1.15%53.6%
Q1 202682$62.2M10.63%0.12%1.51%49.7%
Q4 202576$61.5M10.29%0.43%1.21%50.2%
Q3 202574$61.7M9.90%0.35%1.12%50.4%
Q2 202575$61.6M9.61%0.17%1.09%49.3%
Q1 202569$60.9M9.32%0.28%0.58%47.7%
Q4 202471$58.1M9.62%0.13%0.48%49.9%
Q3 202469$58.1M9.49%0.22%0.46%49.0%
Q2 202470$59.3M9.33%0.31%0.73%48.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.94%
23rd
Problem loans0.37%
65th
Net charge-offs0.64%
22nd
Return on assets1.15%
74th
Loans to deposits53.6%
58th
Uninsured deposits1.2%
52nd
Loan-loss reserves0.00%
37th
Texas ratio1.6%
57th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Buffalo Conrail Federal Credit UnionCredit union Cheektowaga, NY91 out of 100, Very strong$61.0M22.3%0.17%vs
Alco Federal Credit UnionCredit union Wellsville, NY83 out of 100, Strong$61.5M13.7%0.95%vs
Mohawk Valley Federal Credit UnionCredit union Marcy, NY80 out of 100, Strong$61.9M12.9%0.86%vs
Remington Federal Credit UnionCredit union Ilion, NY88 out of 100, Very strong$59.9M15.1%0.76%vs
Morton Lane Federal Credit UnionCredit union Buffalo, NY72 out of 100, Strong$62.8M12.8%0.89%vs
Rt Federal Credit UnionCredit union Rome, NY63 out of 100, Moderate$59.2M10.6%0.49%vs

Deposit insurance

Is my money safe at C C S E Federal Credit Union?

Yes. C C S E Federal Credit Union is a federally insured credit union (NCUA charter #22754). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.2% of shares and deposits ($639K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.94%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

C C S E Federal Credit Union lists 1 office in 1 city. Most locations:

  • Salamanca, NY (1)

All branch addresses and map

Identity & history

Profile

Legal name
C C S E Federal Credit Union
Type
Federal credit union
NCUA charter #
22754
RSSD ID
461982
Primary regulator
NCUA
Established
1977
Headquarters
417 Broad St, Salamanca, NY 14779
Employees
10

Quick answers

C C S E Federal Credit Union: common questions

Is C C S E Federal Credit Union NCUA insured?

Yes. C C S E Federal Credit Union is a federally insured credit union (NCUA charter #22754). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is C C S E Federal Credit Union's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does C C S E Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Salamanca

InstitutionScoreAssetsCapitalProblem loansCompare
Mountain Laurel Federal Credit UnionCredit union Saint Marys, PA99 out of 100, Very strong$174.2M19.7%0.08%vs
Bradford Area School Employees Federal Credit UnionCredit union Bradford, PA90 out of 100, Very strong$1.1M22.9%0.12%vs
Hamlin Bank and Trust CompanyBank Smethport, PA89 out of 100, Very strong$503.4M20.0%0.96%vs
High Point Federal Credit UnionCredit union Olean, NY87 out of 100, Very strong$430.1M14.3%0.67%vs
Jamestown Area Community Federal Credit UnionCredit union Jamestown, NY84 out of 100, Strong$85.5M11.0%0.02%vs
N.F.G. #2 Federal Credit UnionCredit union Warren, PA80 out of 100, Strong$24.2M15.7%1.28%vs