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
Call Report peers
Directors Choice in the assets neighbourhood
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Directors Choice vs every NCUA-scored credit union
Directors Choice sits in the busiest band, 85-89, alongside 857 other credit unions.
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
Where Directors Choice diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 77.86% vs peer 59.80% (+18.06 pp).
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.
- One place up in New York, Lockport Schools & Community (#63) scores 90/100, 1 point higher; one place down, ESL (#65) ties at 89/100.
Directors Choice: 2025Q4 → 2026Q1
Directors Choice: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $12.1M (2025Q4) to $12.2M (2026Q1).
- Net-worth ratio shifted +0.26 pp (22.49% → 22.75%).
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
Directors Choice gives up 11 points in total. Member Growth costs the most, 11 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Directors Choice financially healthy?
Directors Choice has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,183 of 4,374 nationally on health and #64 of 272 in New York. Its net worth ratio is 22.75% and its delinquency rate 0.00%.
How does Directors Choice compare to other credit unions?
Directors Choice scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (77.86% vs 59.80%).
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?
Directors Choice is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.