Albany, New York · Peer group 3
Directors Choice Credit Union
Directors Choice Credit Union holds $12.2M in assets across 739 members as of Q1 2026 — about $17K of assets per member, on a charter dating to 1999. Charter number 68420, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $12.2M |
|---|---|
| Total loans | $6.8M |
| Total shares (deposits) | $9.5M |
| Net worth | $2.8M |
| Members | 739 |
| Assets per member | $17K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 12.0% | |
|---|---|---|
| Loans | -9.6% | around the 20th percentile of its peer group |
| Deposits | 12.9% | higher than 96% of its peer group |
| Members | -2.1% | around the 40th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 71.8% | around the 73rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 22.8% | higher than 91% of its peer group |
| Return on assets | 1.95% | higher than 94% of its peer group |
| Delinquency ratio | 3.25% | higher than 94% of its peer group |
| Cash / assets | 29.0% | higher than 94% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Directors Choice Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New York — the comparison set a peer ratio is measured against.
- Tompkins Employees Credit Union
Ithaca, NY
$12.5M · 782 members
- Circuit Credit Union
CHEEKTOWAGA, NY
$11.6M · 1,043 members
- Greece Community Credit Union
ROCHESTER, NY
$12.9M · 1,341 members
- Transfiguration Parish Credit Union
BROOKLYN, NY
$13.2M · 2,181 members
- Metro Realtors Credit Union
Melville, NY
$11.1M · 1,599 members
- Niagara Falls Teachers Credit Union
Niagara Falls, NY
$13.5M · 1,473 members
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