TellerScore

Schenectady County Employees Federal Credit Union is a federal credit union headquartered in Schenectady, New York, in business for about 62 years. At the end of Q2 2026 it reported $5.6M in total assets and $5.2M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Schenectady County Employees Federal Credit Union scores 54/100, which we describe as below average. That is higher than only 13% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 229th. Its strongest component is funding & liquidity (92/100; 68% loans-to-deposits, 0% uninsured), and its lowest is capital cushion (23/100; 7.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion23/100
Net worth ratio: 7.29%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.93%
Earnings40/100
Return on assets (annualized): 0.51%
Funding & liquidity92/100
Loans ÷ shares: 67.9% · 0.0% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.77%

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 4 points (50 → 54), mostly because the earnings component improved by 12 points.

TellerScore
434954Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202445
Q3 202451
Q4 202453
Q1 202554
Q2 202550
Q3 202543
Q4 202543
Q1 202644
Q2 202654
Net worth ratio
7.00%7.14%7.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.23%
Q3 20247.21%
Q4 20247.06%
Q1 20257.01%
Q2 20257.03%
Q3 20257.07%
Q4 20257.17%
Q1 20267.11%
Q2 20267.29%
Delinquent loans (60+ days)
0.29%1.09%1.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.57%
Q3 20240.89%
Q4 20240.52%
Q1 20250.29%
Q2 20250.94%
Q3 20251.68%
Q4 20251.89%
Q1 20261.85%
Q2 20260.93%
Return on assets
0.01%0.26%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.34%
Q4 20240.13%
Q1 20250.01%
Q2 20250.19%
Q3 20250.27%
Q4 20250.40%
Q1 20260.36%
Q2 20260.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$5.6M7.29%0.93%0.51%67.9%
Q1 202644$5.7M7.11%1.85%0.36%66.7%
Q4 202543$5.5M7.17%1.89%0.40%70.5%
Q3 202543$5.3M7.07%1.68%0.27%74.8%
Q2 202550$5.4M7.03%0.94%0.19%75.0%
Q1 202554$5.2M7.01%0.29%0.01%77.9%
Q4 202453$5.1M7.06%0.52%0.13%78.8%
Q3 202451$5.1M7.21%0.89%0.34%78.8%
Q2 202445$5.2M7.23%1.57%0.43%80.0%

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 ratio7.29%
2nd
Problem loans0.93%
41st
Net charge-offs0.35%
35th
Return on assets0.51%
42nd
Loans to deposits67.9%
36th
Uninsured deposits0.0%
81st
Loan-loss reserves0.71%
80th
Texas ratio7.8%
18th

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InstitutionScoreAssetsCapitalProblem loansCompare
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Utica Police Department Federal Credit UnionCredit union Utica, NY52 out of 100, Below average$6.3M27.6%4.55%vs
Griffith Institute Employees Federal Credit UnionCredit union Springville, NY64 out of 100, Moderate$6.5M9.0%0.56%vs
Grand Central Terminal Employees Federal Credit UnionCredit union New York, NY64 out of 100, Moderate$6.6M11.9%0.77%vs

Deposit insurance

Is my money safe at Schenectady County Employees Federal Credit Union?

Yes. Schenectady County Employees Federal Credit Union is a federally insured credit union (NCUA charter #16278). 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 0.0% of shares and deposits ($0) 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 7.29%, slightly 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

Schenectady County Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Schenectady County Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
16278
RSSD ID
900182
Primary regulator
NCUA
Established
1964
Headquarters
388 Broadway Suite B, Schenectady, NY 12305
Employees
2

Quick answers

Schenectady County Employees Federal Credit Union: common questions

Is Schenectady County Employees Federal Credit Union NCUA insured?

Yes. Schenectady County Employees Federal Credit Union is a federally insured credit union (NCUA charter #16278). 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 Schenectady County Employees Federal Credit Union's TellerScore?

54 out of 100 (Below average), 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 Schenectady County Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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