State Cs Employees

WATERTOWN, NY · 1 · Charter #16207 · www.statecs.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$46.5M
97th percentile
Members
2,842
82th percentile
Total loans
$36.6M
100th percentile
Total shares
$41.4M
99th percentile

Profitability

Return on assets
1.35%
74th percentile
Net interest margin
3.88%
46th percentile
Efficiency ratio
52.03%
80th percentile
Non-interest income ratio
13.82%
65th percentile

Capital & Risk

Net worth ratio
9.19%
11th percentile
Delinquency rate
0.42%
61th percentile
Net charge-off rate
0.15%
55th percentile
Loan-to-share
88.25%
86th percentile

Growth

Member growth YoY
3.46%
91th percentile
Asset growth YoY
15.57%
97th percentile
Loan growth YoY
6.58%
83th percentile
Share growth YoY
15.97%
97th percentile

Operations

Members / branch
1,421
62th percentile
Assets / member
$16,344
89th percentile
Field of membership penetration
28.58%
42th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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