Federal credit union · WATERTOWN, New York · NCUA charter #16207
State Cs Employees
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $46.5M
- Total assets
- 2,842
- Members
- 9.0%
- Net-worth ratio
State Cs Employees scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $46.5M; members 2,842; net-worth ratio 9.01%; health rank #295 of 4,374; healthier than 93rd of scored peers.
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NCUA 5300 Call Report Masthead
#295 of 4,374 health · 2025Q4State Cs Employees · health 96/100 · $46.5M · 2025Q4
Call Report peers
State Cs Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
State Cs Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); State Cs Employees sits in 95-99 with 391 others.
96 Top 7% higher than 93% 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 State Cs Employees
- Largest favorable gap: Loan-to-Share Ratio at 87.20% vs peer 59.80% (+27.40 pp).
- Net Worth Ratio trails the peer set - 9.01% here, 14.86% peer average (-5.85 pp).
State Cs Employees in New York
- New York health ordinal: #18 of 272.
- By total assets, State Cs Employees is #132 of 272 in New York.
- New York membership ordinal: #146 of 272.
- One place up in New York, Polish & Slavic (#17) ties at 96/100; one place down, FIDELIS (#19) scores 95/100, 1 point lower.
State Cs Employees: 2025Q4 → 2026Q1
State Cs Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.8% from $46.5M (2025Q4) to $48.7M (2026Q1).
- Net-worth ratio shifted -0.18 pp (9.19% → 9.01%).
9.01% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
State Cs Employees gives up 4 points in total. Net Worth Ratio costs the most, 2.5 of its 30; Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 27.5 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.1 pts
- Loan-to-Share Ratio 15.4 pts
State Cs Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.01% | -5.85 pp |
| Delinquency Rate | 0.42% | -0.72 pp |
| Return on Assets | 0.87% | +0.16 pp |
| Member Growth | 3.46% | - |
| Loan-to-Share Ratio | 87.20% | +27.40 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
State Cs Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $48.7M | - |
| 2025Q4 | $46.5M | 2,842 |
| 2024Q4 | $40.2M | 2,747 |
| 2023Q4 | $37.1M | 2,623 |
Credit Union Details
- Charter Number
- 16207
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- New York
- City
- WATERTOWN
- Data Quarter
- 2025Q4
Branch Locations (2)
State Cs Employees operates 2 offices in WATERTOWN, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | WATERTOWN, NY |
| BRANCH OFFICE | WATERTOWN, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- State Cs Employees ranks #295 of 4,374 nationally on financial health and #18 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Syracuse Cooperative is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Syracuse Cooperative
Frequently Asked Questions
Is State Cs Employees financially healthy?
State Cs Employees has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #295 of 4,374 nationally on health and #18 of 272 in New York. Its net worth ratio is 9.01% and its delinquency rate 0.42%.
How does State Cs Employees compare to other credit unions?
State Cs Employees scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (87.20% vs 59.80%). Its widest shortfall is net worth ratio (9.01% vs 14.86%).
How can I join State Cs Employees?
State Cs 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 State Cs Employees directly for the current list of qualifying groups.
Is my money safe at State Cs Employees?
State Cs 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. State Cs Employees's net worth ratio of 9.01% 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.