Watertown, New York · Peer group 3
State Cs Employees Credit Union
State Cs Employees Credit Union holds $48.7M in assets across 2,866 members as of Q1 2026 — about $17K of assets per member, on a charter dating to 1964. Charter number 16207, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $48.7M |
|---|---|
| Total loans | $36.8M |
| Total shares (deposits) | $44.1M |
| Net worth | $4.4M |
| Members | 2,866 |
| Assets per member | $17K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 15.2% | |
|---|---|---|
| Loans | 5.8% | around the 83rd percentile of its peer group |
| Deposits | 15.9% | higher than 99% of its peer group |
| Members | 3.0% | higher than 90% 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 | 83.4% | around the 87th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.0% | lower than 90% of its peer group |
| Return on assets | 0.96% | around the 67th percentile of its peer group |
| Delinquency ratio | 0.54% | around the 48th percentile of its peer group |
| Cash / assets | 14.7% | around the 67th percentile 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 State Cs Employees 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.
- Suny Fredonia Credit Union
FREDONIA, NY
$48.2M · 3,330 members
- North Towns Credit Union
Clarence, NY
$49.2M · 3,034 members
- Genesee Co-Op Credit Union
ROCHESTER, NY
$47.8M · 4,528 members
- Tonawanda Community Credit Union
Buffalo, NY
$49.6M · 5,280 members
- Syracuse Cooperative Credit Union
Syracuse, NY
$47.4M · 3,685 members
- Affinity One Credit Union
JAMESTOWN, NY
$45.6M · 3,258 members
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