TellerScore

Headquartered in Albany, New York, Directors Choice Credit Union is a federally insured state-chartered credit union with $11.9M in total assets and $9.1M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1999.

Based on its Q2 2026 filing, Directors Choice Credit Union scores 67/100, which we describe as moderate. That is higher than only 34% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 160th. Its strongest component is capital cushion (100/100; 23.60%), and its lowest is loan quality (0/100; 4.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 23.60%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.58%
Earnings81/100
Return on assets (annualized): 1.52%
Funding & liquidity86/100
Loans ÷ shares: 69.9% · 18.6% uninsured
Problem-loan coverage79/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.37%

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 fell 29 points (96 → 67), mostly because the loan quality component weakened by 100 points.

TellerScore
678297Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202489
Q4 202491
Q1 202594
Q2 202596
Q3 202597
Q4 202597
Q1 202671
Q2 202667
Net worth ratio
7.00%15.30%23.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202421.22%
Q3 202421.68%
Q4 202422.81%
Q1 202523.37%
Q2 202523.07%
Q3 202522.24%
Q4 202522.49%
Q1 202622.75%
Q2 202623.60%
Delinquent loans (60+ days)
0.00%2.29%4.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.12%
Q3 20240.40%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20263.25%
Q2 20264.58%
Return on assets
-0.18%1.22%2.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.18%
Q3 20242.32%
Q4 20241.59%
Q1 20252.63%
Q2 20252.47%
Q3 20252.28%
Q4 20252.01%
Q1 20261.95%
Q2 20261.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$11.9M23.60%4.58%1.52%69.9%
Q1 202671$12.2M22.75%3.25%1.95%71.8%
Q4 202597$12.1M22.49%0.00%2.01%77.9%
Q3 202597$12.1M22.24%0.00%2.28%75.3%
Q2 202596$11.4M23.07%0.00%2.47%82.5%
Q1 202594$10.9M23.37%0.00%2.63%89.7%
Q4 202491$10.9M22.81%0.00%1.59%94.6%
Q3 202489$11.6M21.68%0.40%2.32%94.7%
Q2 202474$11.5M21.22%0.12%-0.18%98.4%

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 ratio23.60%
86th
Problem loans4.58%
7th
Net charge-offs2.64%
4th
Return on assets1.52%
85th
Loans to deposits69.9%
33rd
Uninsured deposits18.6%
2nd
Loan-loss reserves0.00%
37th
Texas ratio10.4%
13th

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Deposit insurance

Is my money safe at Directors Choice Credit Union?

Yes. Directors Choice Credit Union is a federally insured credit union (NCUA charter #68420). 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 18.6% of shares and deposits ($1.7M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 23.60%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Directors Choice Credit Union lists 4 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Directors Choice Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68420
RSSD ID
2872854
Primary regulator
State + NCUA
Established
1999
Headquarters
1 South Family Drive, Albany, NY 12205
Employees
3

Quick answers

Directors Choice Credit Union: common questions

Is Directors Choice Credit Union NCUA insured?

Yes. Directors Choice Credit Union is a federally insured credit union (NCUA charter #68420). 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 Directors Choice Credit Union's TellerScore?

67 out of 100 (Moderate), 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 Directors Choice Credit Union have?

4 offices as of the latest NCUA data.

Nearby

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