Westchester Schools' Federal Credit Union Rye Brook, New York
Westchester Schools' Federal Credit Union is a federal credit union headquartered in Rye Brook, NY, established in 1954 (NCUA charter 9532), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,751 members and total assets of $40.6M (down 0.1% from Q2 2025), the 145th largest of 267 credit unions headquartered in New York. Its net worth ratio was 11.17% at Q2 2026, in the well capitalized band.
Also written as Westchester Schools' FCU · Trade name filed with the NCUA: A/K/A Port Chester Teachers Federal Credit Union
BankRegReports is independent of Westchester Schools' 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
- 9532
- Headquarters
- Rye Brook, NY
- Established
- 1954
- Total assets, Q2 2026
- $40.6M
- Assets vs Q2 2025
- -0.1%
- Members, Q2 2026
- 2,751
- Net worth ratio, Q2 2026
- 11.17%
- Latest call report
- Q2 2026, NCUA 5300 · Westchester Schools' Federal Credit Union call report
- Asset rank in state
- 145th of 267 in New York
- Routing number
- 221981652
- Branches
- 2
It has 12 more members than on June 30, 2025 (+0.4%). Its net worth ratio was up 0.21 percentage points from 10.96% on June 30, 2025. New vehicle loans are its largest loan category, $6.6M of $14.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.02% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.17% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about Westchester Schools' Federal Credit Union
How big is Westchester Schools' Federal Credit Union?
At Q2 2026 it reported total assets of $40.6M and 2,751 members.
Where is Westchester Schools' Federal Credit Union headquartered?
It is headquartered in Rye Brook, NY, United States.
When was Westchester Schools' Federal Credit Union founded?
It was established in 1954, per NCUA records.
Is Westchester Schools' Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 9532): 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 Westchester Schools' Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Westchester Schools' Federal Credit Union well capitalized?
Its net worth ratio was 11.17% 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 Westchester Schools' Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.02% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Westchester Schools' Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 39.46% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Rye Brook, NY 10573
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 9532
- RSSD ID
- 1004984
- Members
- 2,751
- Potential members
- 4,200
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 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.17% | 14.31% | 25th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.68% | 0.72% | 48th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 6.19% | 4.74% | 59th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.71% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 76.76% | 79.83% | 56th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.74% | 0.78% | 53rd above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.02% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.44% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 39.46% | 58.92% | 22nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$40.6M total assets against $40.7M; $35.5M total shares and deposits against $35.8M; $14.0M total loans against $14.0M.
$4.5M net worth against $4.2M.
11.17% net worth ratio against 10.96%.
39.46% loan-to-share ratio against 39.09%.
0.02% delinquency ratio against 0.01%.
0.68% return on assets against 0.54%; 6.19% return on equity against 5.21%.
2.71% net interest margin against 2.47%.
2,751 members against 2,739.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.17% | 0.68% | 0.02% | 39.46% |
| March 31, 2026 | 10.99% | 0.55% | 0.04% | 38.96% |
| December 31, 2025 | 11.02% | 0.51% | 0.06% | 39.79% |
| September 30, 2025 | 11.09% | 0.55% | 0.03% | 41.10% |
| June 30, 2025 | 10.96% | 0.54% | 0.01% | 39.09% |
| March 31, 2025 | 10.82% | 0.45% | — | 39.34% |
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.