SCF Westchester N. Y. Employees Federal Credit Union White Plains, New York
SCF Westchester N. Y. Employees Federal Credit Union is a federal credit union headquartered in White Plains, NY, established in 1973 (NCUA charter 21231), and it is regulated and insured by the NCUA. At Q2 2026 it reported 386 members and total assets of $1.5M (down 16.4% from Q2 2025), the 242nd largest of 267 credit unions headquartered in New York. Its net worth ratio was 23.76% at Q2 2026, in the well capitalized band.
Also written as SCF Westchester NY Employees FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 21231
- Headquarters
- White Plains, NY
- Established
- 1973
- Total assets, Q2 2026
- $1.5M
- Assets vs Q2 2025
- -16.4%
- Members, Q2 2026
- 386
- Net worth ratio, Q2 2026
- 23.76%
- Latest call report
- Q2 2026, NCUA 5300 · SCF Westchester N. Y. Employees Federal Credit Union call report
- Asset rank in state
- 242nd of 267 in New York
- Routing number
- 221976803
- Branches
- 2
It has 21 more members than on June 30, 2025 (+5.8%). Its net worth ratio was up 3.51 percentage points from 20.25% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $308K of $450K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.18% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 23.76% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about SCF Westchester N. Y. Employees Federal Credit Union
How big is SCF Westchester N. Y. Employees Federal Credit Union?
At Q2 2026 it reported total assets of $1.5M and 386 members.
Where is SCF Westchester N. Y. Employees Federal Credit Union headquartered?
It is headquartered in White Plains, NY, United States.
When was SCF Westchester N. Y. Employees Federal Credit Union founded?
It was established in 1973, per NCUA records.
Is SCF Westchester N. Y. Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 21231): 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 SCF Westchester N. Y. Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is SCF Westchester N. Y. Employees Federal Credit Union well capitalized?
Its net worth ratio was 23.76% 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 SCF Westchester N. Y. Employees Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.18% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is SCF Westchester N. Y. Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 36.58% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- White Plains, NY 10610
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1973
- NCUA Charter #
- 21231
- RSSD ID
- 228082
- Members
- 386
- Potential members
- 500
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 5 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 23.76% | 14.31% | 85th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.53% | 0.72% | 81st top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 6.43% | 4.74% | 61st above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.21% | 3.93% | 62nd above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 64.31% | 79.83% | 80th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.01% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.18% | 0.86% | 86th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.22% | 4.70% | 26th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 36.58% | 58.92% | 19th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.5M total assets against $1.8M; $1.2M total shares and deposits against $1.5M; $450K total loans against $346K.
$364K net worth against $371K.
23.76% net worth ratio against 20.25%.
36.58% loan-to-share ratio against 23.53%.
0.18% delinquency ratio against 8.00%.
1.53% return on assets against 0.75%; 6.43% return on equity against 3.71%.
4.21% net interest margin against 3.29%.
386 members against 365.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 23.76% | 1.53% | 0.18% | 36.58% |
| March 31, 2026 | 22.70% | 0.96% | 3.22% | 36.39% |
| December 31, 2025 | 20.76% | -3.99% | 4.80% | 34.36% |
| September 30, 2025 | 20.74% | 0.09% | 5.21% | 32.74% |
| June 30, 2025 | 20.25% | 0.75% | 8.00% | 23.53% |
| March 31, 2025 | 22.27% | 6.86% | 3.82% | 30.15% |
Scroll sideways to see every column.
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.