E
Schenectady County Employees Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
7.02
Leverage
Ratio
7.00
Return On
Assets
0.28%
Total
Assets
5.33M
Capital
374.00K
Total
Deposits
4.92M
Net
Income
11.00K
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Weiss Ratings Schenectady County Employees Federal Credit Union
Schenectady, NY 		Click to
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Rating E
Asset Quality Index 3.70
Capitalization Index 4.70
Liquidity Index 4.00
Profitability Index 2.60
Stability Index 1.00
Company Info Schenectady County Employees Federal Credit Union
Schenectady, NY 		Click to
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NCUA Charter Number 3048
Phone Number (518) 374-3830
Website www.schcofcu.org
Asset Quality Schenectady County Employees Federal Credit Union
Schenectady, NY 		Click to
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1-Year Asset Growth 4.12%
5-Year Asset Growth 3.69%
5-Year Charge-Offs to Average Loans 0.32%
Charge-Offs to Average Loans 0.28%
Non-Performing Assets to Assets 1.16%
Non-Performing Loans to Capital 15.31%
Non-Performing Loans to Loans 1.69%
Balance Sheet Schenectady County Employees Federal Credit Union
Schenectady, NY 		Click to
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Total Assets 5.33M
Total Deposits 4.92M
Capital and Reserves Schenectady County Employees Federal Credit Union
Schenectady, NY 		Click to
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Capital 374.00K
Leverage Ratio 7.00
Loan Loss Reserves to Loans 0.84%
Liquidity Schenectady County Employees Federal Credit Union
Schenectady, NY 		Click to
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Hot Money Ratio 0.00%
Liquidity Ratio 29.79%
Profitability Schenectady County Employees Federal Credit Union
Schenectady, NY 		Click to
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5-Year Return on Average Assets 0.30%
Net Income 11.00K
Net Interest Spread 5.99%
Operating Profit to Average Assets 0.25%
Overhead Efficiency Ratio 87.62%
Return on Assets 0.28%
Return on Equity 4.00%