State credit union · ALBANY, New York · NCUA charter #68420
Directors Choice
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $12.1M
- Total assets
- 741
- Members
- 22.8%
- Net-worth ratio
Directors Choice scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.1M; members 741; net-worth ratio 22.75%; health rank #1,183 of 4,374; healthier than 69th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,183 of 4,374 health · 2025Q4Directors Choice · health 89/100 · $12.1M · 2025Q4
- ROA 89/100
- ASSETS 22.8%
- MEM 0.00%
- RANK 1.43%
- PHOTO $12.1M
- BOOK 741
- CHARTER #1,183/4,374
- NCUSIF A H E Plant 3
- CAMELS 68420
Call Report peers
Directors Choice in the assets neighbourhood
Directors Choice's $12.1M assets sit next to A H E Plant 3 ($12.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Directors Choice vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Directors Choice - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68420. See our deposit-insurance coverage note.
Where Directors Choice diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 77.86% vs peer 59.80% (+18.06 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Directors Choice: in-state Call Report ranks
- In New York, health place is #64 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, Directors Choice is #204 of 272 in New York.
- Member book place in New York: #226 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Directors Choice: 2025Q4 → 2026Q1
Directors Choice: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $12.1M (2025Q4) to $12.2M (2026Q1).
- Net-worth ratio shifted +0.26 pp (22.49% → 22.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
22.75% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Directors Choice
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.75% | +7.89 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.43% | +0.72 pp |
| Member Growth | -2.76% | - |
| Loan-to-Share Ratio | 77.86% | +18.06 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.2M | - |
| 2025Q4 | $12.1M | 741 |
| 2024Q4 | $10.9M | 762 |
| 2023Q4 | $11.6M | 789 |
Credit Union Details
- Charter Number
- 68420
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- New York
- City
- ALBANY
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Directors Choice runs 4 offices.
| Office | City |
|---|---|
| DCCU (Main Office) | Albany, NY |
| Directors Choice Credit Union | Albany, NY |
| DCCU | Albany, NY |
| Co-Location Data Center | Albany, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Other-state peers near Directors Choice
Directors Choice's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Directors Choice ranks #1,183 of 4,374 nationally on financial health and #64 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tompkins Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tompkins Employees
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Directors Choice financially healthy?
Directors Choice scores 89/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,183 of 4,374; by total assets it ranks #3,451 of 4,374 nationally (same basis as /rankings/largest); and #204 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 22.75% net worth ratio and a 0.00% delinquency rate.
How does Directors Choice compare to other credit unions?
89/100 is Directors Choice's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Directors Choice?
Membership eligibility for Directors Choice depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Directors Choice directly for current membership requirements and application steps.
Is my money safe at Directors Choice?
Federal credit unions like Directors Choice are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Directors Choice's net worth ratio of 22.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Directors Choice offer compared to banks?
Credit unions like Directors Choice are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Directors Choice directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.