Credit Union Safety Analysis
Is C C S E Federal Credit Union Safe? Salamanca, New York
Based on its Q2 2026 NCUA 5300 call report, C C S E Federal Credit Union has a net worth ratio of 10.94%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.37%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, C C S E Federal Credit Union's net worth ratio is 10.94%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.94%
- Delinquency ratio (60+ days) (Q2 2026): 0.37%
- Return on assets (Q2 2026): 0.77%
- Loan-to-share ratio (Q2 2026): 53.57%
C C S E Federal Credit Union (NCUA charter 22754, established 1977) reported $61.1M in assets and 5,863 members for Q2 2026 from Salamanca, New York. It ranks 115 of 267 credit unions in New York by total assets. Total assets fell 0.9% from $61.6M on June 30, 2025. It has 69 more members than on June 30, 2025 (+1.2%). Its net worth ratio was up 1.33 percentage points from 9.61% on June 30, 2025. Used vehicle loans are its largest loan category, $10.8M of $29.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.37% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 10.63% for Q1 2026; 9.61% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.12% for Q1 2026; 0.17% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.51% for Q1 2026; 1.61% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 49.67% for Q1 2026; 49.30% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $10.8M
- 1- to 4-family residential and other consumer real estate loans: $8.3M
- New vehicle loans: $4.3M
- Other unsecured loans and lines of credit: $3.4M
- Other secured non-real estate loans and lines of credit: $1.7M
- Non-federally guaranteed student loans: $651K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $61.1M | 10.94% | 0.37% | 0.77% | 53.57% |
| March 31, 2026 | $62.2M | 10.63% | 0.12% | 1.51% | 49.67% |
| December 31, 2025 | $61.5M | 10.29% | 0.43% | 1.46% | 50.18% |
| September 30, 2025 | $61.7M | 9.90% | 0.35% | 1.18% | 50.38% |
| June 30, 2025 | $61.6M | 9.61% | 0.17% | 1.61% | 49.30% |
| March 31, 2025 | $60.9M | 9.32% | 0.28% | 0.58% | 47.70% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
C C S E Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 22754) · FFIEC NIC profile (RSSD 461982)
Frequently asked questions
Is C C S E Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, C C S E Federal Credit Union's net worth ratio is 10.94%, above the 7% NCUA threshold for well capitalized.
Is C C S E Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. C C S E Federal Credit Union is a federally insured credit union (NCUA charter 22754): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are C C S E Federal Credit Union's key safety ratios?
For Q2 2026, C C S E Federal Credit Union reports net worth 10.94%, delinquency 0.37%, ROA 0.77%, loan-to-share 53.57%.
What happens to my money if C C S E Federal Credit Union fails?
For Q2 2026, C C S E Federal Credit Union held $54.4M in shares and deposits for 5,863 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.