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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Schenectady County Employees sits in 60-64 with 179 others.
63 9th percentile higher than 9% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in New York, WILLIAMSVILLE (#230) ties at 63/100; one place down, White Plains P O Employees (#232) scores 62/100, 1 point lower.
Schenectady County Employees: 2025Q4 → 2026Q1
Schenectady County Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $5.5M (2025Q4) to $5.7M (2026Q1).
- Net-worth ratio shifted -0.06 pp (7.17% → 7.11%).
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
Schenectady County Employees gives up 37 points in total. Member Growth costs the most, 12.7 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Schenectady County Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Schenectady County Employees scores 63/100 (Good), with a 7.11% net worth ratio and 1.89% of loans delinquent. It ranks #3,969 of 4,374 nationally on health and #231 of 272 in New York.
How does Schenectady County Employees compare to other credit unions?
Schenectady County Employees scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (70.47% vs 63.60%). Its widest shortfall is net worth ratio (7.11% vs 19.06%).
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?
Schenectady County Employees is a federal 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. Schenectady County Employees's net worth ratio of 7.11% 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.