TellerScore

State Cs Employees Federal Credit Union (NCUA charter #16207) is based in Watertown, New York. Its Q2 2026 call report shows $49.4M in total assets and $44.7M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, State Cs Employees Federal Credit Union scores 66/100, which we describe as moderate. That is higher than only 32% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 167th. Its strongest component is problem-loan coverage (87/100; 6.5%), and its lowest is capital cushion (43/100; 9.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.30%
Loan quality74/100
Loans 60+ days delinquent ÷ total loans: 0.77%
Earnings74/100
Return on assets (annualized): 1.34%
Funding & liquidity73/100
Loans ÷ shares: 87.0% · 5.3% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.48%

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 7 points (73 → 66), mostly because the earnings component weakened by 24 points.

TellerScore
657075Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202473
Q4 202466
Q1 202575
Q2 202573
Q3 202573
Q4 202568
Q1 202665
Q2 202666
Net worth ratio
7.00%8.47%9.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.72%
Q3 20249.95%
Q4 20249.25%
Q1 20259.25%
Q2 20259.49%
Q3 20259.74%
Q4 20259.19%
Q1 20269.01%
Q2 20269.30%
Delinquent loans (60+ days)
0.18%0.47%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.55%
Q3 20240.50%
Q4 20240.37%
Q1 20250.18%
Q2 20250.50%
Q3 20250.70%
Q4 20250.42%
Q1 20260.54%
Q2 20260.77%
Return on assets
0.96%1.50%2.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.88%
Q3 20241.85%
Q4 20241.00%
Q1 20251.80%
Q2 20251.94%
Q3 20252.04%
Q4 20251.19%
Q1 20260.96%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$49.4M9.30%0.77%1.34%87.0%
Q1 202665$48.7M9.01%0.54%0.96%83.4%
Q4 202568$46.5M9.19%0.42%1.19%87.2%
Q3 202573$45.3M9.74%0.70%2.04%89.5%
Q2 202573$43.6M9.49%0.50%1.94%90.3%
Q1 202575$42.2M9.25%0.18%1.80%91.4%
Q4 202466$40.2M9.25%0.37%1.00%94.7%
Q3 202473$38.7M9.95%0.50%1.85%94.6%
Q2 202473$37.8M9.72%0.55%1.88%93.7%

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 ratio9.30%
11th
Problem loans0.77%
48th
Net charge-offs0.20%
48th
Return on assets1.34%
81st
Loans to deposits87.0%
12th
Uninsured deposits5.3%
20th
Loan-loss reserves0.00%
37th
Texas ratio6.5%
22nd

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InstitutionScoreAssetsCapitalProblem loansCompare
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Money Federal Credit UnionCredit union Syracuse, NY81 out of 100, Strong$51.3M13.8%0.29%vs
Genesee Co-Op Federal Credit UnionCredit union Rochester, NY78 out of 100, Strong$47.5M23.4%1.55%vs
Stewart'S Federal Credit UnionCredit union Saratoga Spring, NY61 out of 100, Moderate$47.3M8.9%0.81%vs
Syracuse CooperativeCredit union Syracuse, NY61 out of 100, Moderate$47.2M14.4%5.24%vs

Deposit insurance

Is my money safe at State Cs Employees Federal Credit Union?

Yes. State Cs Employees Federal Credit Union is a federally insured credit union (NCUA charter #16207). 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 5.3% of shares and deposits ($2.4M) 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 9.30%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

State Cs Employees Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
State Cs Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
16207
RSSD ID
888187
Primary regulator
NCUA
Established
1964
Headquarters
317 Washington St, Watertown, NY 13601
Employees
10

Quick answers

State Cs Employees Federal Credit Union: common questions

Is State Cs Employees Federal Credit Union NCUA insured?

Yes. State Cs Employees Federal Credit Union is a federally insured credit union (NCUA charter #16207). 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 State Cs Employees Federal Credit Union's TellerScore?

66 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 State Cs Employees Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Watertown

InstitutionScoreAssetsCapitalProblem loansCompare
Watertown Postal Federal Credit UnionCredit union Watertown, NY94 out of 100, Very strong$5.7M14.4%0.00%vs
WSB Municipal BankBank Watertown, NY93 out of 100, Very strong$152.3M15.2%0.00%vs
GS&L Municipal BankBank Gouverneur, NY92 out of 100, Very strong$31.6M44.5%0.00%vs
Sea Comm Federal Credit UnionCredit union Massena, NY89 out of 100, Very strong$777.3M18.0%0.63%vs
Watertown Savings BankBank Watertown, NY79 out of 100, Strong$971.0M17.6%1.95%vs
Carthage Savings and Loan, National AssociationBank Carthage, NY77 out of 100, Strong$312.1M12.9%0.32%vs