Directors Choice Credit Union Albany, New York
Directors Choice Credit Union is a state-chartered credit union headquartered in Albany, NY, established in 2000 (NCUA charter 68420), and it is regulated and insured by the NCUA. At Q2 2026 it reported 731 members and total assets of $11.9M (up 4.9% from Q2 2025), the 203rd largest of 267 credit unions headquartered in New York. Its net worth ratio was 23.60% at Q2 2026, in the well capitalized band.
Also written as Directors Choice CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68420
- Headquarters
- Albany, NY
- Established
- 2000
- Total assets, Q2 2026
- $11.9M
- Assets vs Q2 2025
- +4.9%
- Members, Q2 2026
- 731
- Net worth ratio, Q2 2026
- 23.60%
- Latest call report
- Q2 2026, NCUA 5300 · Directors Choice Credit Union call report
- Asset rank in state
- 203rd of 267 in New York
- Routing number
- 021384239
- Branches
- 4
It has 27 fewer members than on June 30, 2025 (-3.6%). Its net worth ratio was up 0.53 percentage points from 23.07% on June 30, 2025. Commercial loans are its largest loan category, $4.7M of $6.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 4.58% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 23.60% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about Directors Choice Credit Union
How big is Directors Choice Credit Union?
At Q2 2026 it reported total assets of $11.9M and 731 members.
Where is Directors Choice Credit Union headquartered?
It is headquartered in Albany, NY, United States.
When was Directors Choice Credit Union founded?
It was established in 2000, per NCUA records.
Is Directors Choice Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68420): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Directors Choice Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Directors Choice Credit Union well capitalized?
Its net worth ratio was 23.60% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Directors Choice Credit Union's delinquency ratio?
Its delinquency ratio was 4.58% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Directors Choice Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 69.86% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Albany, NY 12205
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 2000
- NCUA Charter #
- 68420
- RSSD ID
- 2872854
- Members
- 731
- Potential members
- 25,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 23.60% | 14.31% | 85th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.03% | 0.72% | 64th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 4.38% | 4.74% | 48th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.31% | 3.93% | 25th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 34.04% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.95% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 4.58% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.25% | 4.70% | 72nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 69.86% | 58.92% | 66th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$11.9M total assets against $11.4M; $9.1M total shares and deposits against $8.7M; $6.4M total loans against $7.2M.
$2.8M net worth against $2.6M.
23.60% net worth ratio against 23.07%.
69.86% loan-to-share ratio against 82.54%.
4.58% delinquency ratio.
1.03% return on assets against 2.42%; 4.38% return on equity against 10.48%.
3.31% net interest margin against 3.88%.
731 members against 758.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 23.60% | 1.03% | 4.58% | 69.86% |
| March 31, 2026 | 22.75% | 1.95% | 3.25% | 71.83% |
| December 31, 2025 | 22.49% | 1.23% | — | 77.86% |
| September 30, 2025 | 22.24% | 2.18% | — | 75.35% |
| June 30, 2025 | 23.07% | 2.42% | — | 82.54% |
| March 31, 2025 | 23.37% | 2.63% | — | 89.70% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.