Syracuse Cooperative Federal Credit Union Syracuse, New York
Syracuse Cooperative Federal Credit Union is a federal credit union headquartered in Syracuse, NY, established in 1982 (NCUA charter 23865), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,778 members and total assets of $47.2M (up 7.3% from Q2 2025), the 134th largest of 267 credit unions headquartered in New York. Its net worth ratio was 14.43% at Q2 2026, in the well capitalized band.
Also written as Syracuse Cooperative FCU · Trade name filed with the NCUA: Cooperative Federal
BankRegReports is independent of Syracuse Cooperative Federal Credit Union and never asks for online banking logins or passwords.
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
- 23865
- Headquarters
- Syracuse, NY
- Established
- 1982
- Total assets, Q2 2026
- $47.2M
- Assets vs Q2 2025
- +7.3%
- Members, Q2 2026
- 3,778
- Net worth ratio, Q2 2026
- 14.43%
- Latest call report
- Q2 2026, NCUA 5300 · Syracuse Cooperative Federal Credit Union call report
- Asset rank in state
- 134th of 267 in New York
- Routing number
- 221381935
- Branches
- 2
It has 172 more members than on June 30, 2025 (+4.8%). Its net worth ratio was up 2.37 percentage points from 12.06% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $30.8M of $39.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 5.24% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 14.43% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about Syracuse Cooperative Federal Credit Union
How big is Syracuse Cooperative Federal Credit Union?
At Q2 2026 it reported total assets of $47.2M and 3,778 members.
Where is Syracuse Cooperative Federal Credit Union headquartered?
It is headquartered in Syracuse, NY, United States.
When was Syracuse Cooperative Federal Credit Union founded?
It was established in 1982, per NCUA records.
Is Syracuse Cooperative Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 23865): 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 Syracuse Cooperative Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Syracuse Cooperative Federal Credit Union well capitalized?
Its net worth ratio was 14.43% 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 Syracuse Cooperative Federal Credit Union's delinquency ratio?
Its delinquency ratio was 5.24% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Syracuse Cooperative Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 101.67% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Syracuse, NY 13208
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1982
- NCUA Charter #
- 23865
- RSSD ID
- 984995
- Members
- 3,778
- Potential members
- 144,896
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 1 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.43% | 14.31% | 51st above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -1.28% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -9.05% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.70% | 3.93% | 79th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 114.09% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.83% | 0.78% | 47th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 5.24% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.53% | 4.70% | 79th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 101.67% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$47.2M total assets against $44.0M; $38.4M total shares and deposits against $35.3M; $39.0M total loans against $33.6M.
$6.7M net worth against $5.2M.
14.43% net worth ratio against 12.06%.
101.67% loan-to-share ratio against 95.09%.
5.24% delinquency ratio against 6.49%.
-1.28% return on assets against 1.85%; -9.05% return on equity against 15.76%.
4.70% net interest margin against 4.61%.
3,778 members against 3,606.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.43% | -1.28% | 5.24% | 101.67% |
| March 31, 2026 | 13.12% | 7.68% | 5.69% | 93.21% |
| December 31, 2025 | 11.85% | 0.68% | 5.19% | 94.15% |
| September 30, 2025 | 12.06% | 1.09% | 6.00% | 100.12% |
| June 30, 2025 | 12.06% | 1.85% | 6.49% | 95.09% |
| March 31, 2025 | 11.71% | 11.58% | 6.14% | 92.79% |
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.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.