Schenectady County Employees

Schenectady, NY · 1 · Charter #16278 · www.schcofcu.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
$5.5M
27th percentile
Members
645
23th percentile
Total loans
$3.5M
35th percentile
Total shares
$5.0M
31th percentile

Profitability

Return on assets
0.39%
31th percentile
Net interest margin
4.82%
79th percentile
Efficiency ratio
73.88%
35th percentile
Non-interest income ratio
6.36%
38th percentile

Capital & Risk

Net worth ratio
7.05%
2th percentile
Delinquency rate
1.89%
26th percentile
Net charge-off rate
0.23%
48th percentile
Loan-to-share
70.47%
64th percentile

Growth

Member growth YoY
-3.73%
26th percentile
Asset growth YoY
6.12%
80th percentile
Loan growth YoY
-5.13%
41th percentile
Share growth YoY
6.07%
81th percentile

Operations

Members / branch
323
14th percentile
Assets / member
$8,450
43th percentile
Field of membership penetration
12.90%
26th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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