Federal credit union · Schenectady, New York · NCUA charter #16278
Schenectady County Employees
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $5.5M
- Total assets
- 645
- Members
- 7.1%
- Net-worth ratio
Schenectady County Employees scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.5M; members 645; net-worth ratio 7.11%; health rank #3,969 of 4,374; healthier than 9th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,969 of 4,374 health · 2025Q4Schenectady County Employees · health 63/100 · $5.5M · 2025Q4
- CHARTER 63/100
- NCUSIF 7.1%
- CAMELS 1.89%
- HEALTH 0.12%
- NW $5.5M
- DELQ 645
- ROA #3,969/4,374
- ASSETS n/a
- MEM 16278
Call Report peers
Schenectady County Employees carries $5.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Schenectady County Employees 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
63 9th percentile higher than 9% 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
Schenectady County Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #16278. See our deposit-insurance coverage note.
Peer-gap read for Schenectady County Employees
- Largest favorable gap: Loan-to-Share Ratio at 70.47% vs peer 63.60% (+6.87 pp).
- Largest lag: Net Worth Ratio at 7.11% vs peer 19.06% (-11.95 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Schenectady County Employees in New York
- Health composite ranks #231 of 272 among scored New York credit unions.
- Assets rank #229 of 272 inside New York ($5.5M reported).
- Member book place in New York: #228 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.
Schenectady County Employees: 2025Q4 → 2026Q1
Schenectady County Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $5.5M (2025Q4) to $5.7M (2026Q1).
- Net-worth ratio shifted -0.06 pp (7.17% → 7.11%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 7.11% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 22.8 pts
- Delinquency Rate 13.4 pts
- Return on Assets 9.3 pts
- Member Growth 2.3 pts
- Loan-to-Share Ratio 15.2 pts
Schenectady County Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.11% | -11.95 pp |
| Delinquency Rate | 1.89% | +0.08 pp |
| Return on Assets | 0.12% | -0.33 pp |
| Member Growth | -3.73% | - |
| Loan-to-Share Ratio | 70.47% | +6.87 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Schenectady County Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.7M | - |
| 2025Q4 | $5.5M | 645 |
| 2024Q4 | $5.1M | 670 |
| 2023Q4 | $5.0M | 670 |
Credit Union Details
- Charter Number
- 16278
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- New York
- City
- Schenectady
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Schenectady County Employees.
| Office | City |
|---|---|
| Schenectady County EFCU (Main Office) | Schenectady, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Schenectady County Employees
Cross-state asset and health neighbours for Schenectady County Employees - kept outside New York; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- Schenectady County Employees ranks #3,969 of 4,374 nationally on financial health and #231 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Watertown Postal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Watertown Postal
- 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 Schenectady County Employees financially healthy?
Schenectady County Employees has a financial health score of 63/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,969 of 4,374; by total assets it ranks #3,849 of 4,374 nationally (same basis as /rankings/largest); and #229 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.11% and delinquency rate of 1.89%.
How does Schenectady County Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Schenectady County Employees's 63/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 Schenectady County Employees?
Schenectady County Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Schenectady County Employees directly for the current list of qualifying groups.
Is my money safe at Schenectady County Employees?
Federal credit unions like Schenectady County Employees 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. Schenectady County Employees's net worth ratio of 7.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Schenectady County Employees offer compared to banks?
Credit unions like Schenectady County Employees 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 Schenectady County Employees 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.