Credit Union Safety Analysis
Is State CS Employees Federal Credit Union Safe? Watertown, New York
Based on its Q2 2026 NCUA 5300 call report, State CS Employees Federal Credit Union has a net worth ratio of 9.30%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.77%, 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, State CS Employees Federal Credit Union's net worth ratio is 9.30%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.30%
- Delinquency ratio (60+ days) (Q2 2026): 0.77%
- Return on assets (Q2 2026): 1.74%
- Loan-to-share ratio (Q2 2026): 87.00%
State CS Employees Federal Credit Union (NCUA charter 16207, established 1964) reported $49.4M in assets and 2,916 members for Q2 2026 from Watertown, New York. It ranks 129 of 267 credit unions in New York by total assets. Total assets grew 13.3% from $43.6M on June 30, 2025. It has 92 more members than on June 30, 2025 (+3.3%). Its net worth ratio was down 0.19 percentage points from 9.49% on June 30, 2025. Used vehicle loans are its largest loan category, $16.7M of $38.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.77% 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: 9.01% for Q1 2026; 9.49% 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: 0.54% for Q1 2026; 0.50% 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: 0.96% for Q1 2026; 2.15% 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: 83.39% for Q1 2026; 90.32% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $16.7M
- Other secured non-real estate loans and lines of credit: $8.3M
- New vehicle loans: $5.8M
- 1- to 4-family residential and other consumer real estate loans: $5.8M
- Other unsecured loans and lines of credit: $2.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $49.4M | 9.30% | 0.77% | 1.74% | 87.00% |
| March 31, 2026 | $48.7M | 9.01% | 0.54% | 0.96% | 83.39% |
| December 31, 2025 | $46.5M | 9.19% | 0.42% | -1.24% | 87.20% |
| September 30, 2025 | $45.3M | 9.74% | 0.70% | 2.39% | 89.47% |
| June 30, 2025 | $43.6M | 9.49% | 0.50% | 2.15% | 90.32% |
| March 31, 2025 | $42.2M | 9.25% | 0.18% | 1.80% | 91.39% |
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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.
State CS Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 16207) · FFIEC NIC profile (RSSD 888187)
Frequently asked questions
Is State CS Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, State CS Employees Federal Credit Union's net worth ratio is 9.30%, above the 7% NCUA threshold for well capitalized.
Is State CS Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. State CS Employees Federal Credit Union is a federally insured credit union (NCUA charter 16207): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are State CS Employees Federal Credit Union's key safety ratios?
For Q2 2026, State CS Employees Federal Credit Union reports net worth 9.30%, delinquency 0.77%, ROA 1.74%, loan-to-share 87.00%.
What happens to my money if State CS Employees Federal Credit Union fails?
For Q2 2026, State CS Employees Federal Credit Union held $44.7M in shares and deposits for 2,916 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.