Schenectady County Employees Federal Credit Union

Schenectady, NY

Rating Date

May 2024

Net Capital
Ratio

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Total
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Weiss Ratings	Schenectady County Employees Federal Credit Union Schenectady, NY	Click to Compare	Click to Compare	Click to Compare
Rating	E
Asset Quality Index	5.90
Capitalization Index	4.70
Liquidity Index	3.20
Profitability Index	2.80
Stability Index	1.00

Company Info	Schenectady County Employees Federal Credit Union Schenectady, NY	Click to Compare	Click to Compare	Click to Compare
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 Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-1.50%
5-Year Asset Growth	4.17%
5-Year Charge-Offs to Average Loans	0.27%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.56%
Non-Performing Loans to Capital	7.65%
Non-Performing Loans to Loans	0.74%

Balance Sheet	Schenectady County Employees Federal Credit Union Schenectady, NY	Click to Compare	Click to Compare	Click to Compare
Total Assets	5.20M
Total Deposits	4.81M

Capital and Reserves	Schenectady County Employees Federal Credit Union Schenectady, NY	Click to Compare	Click to Compare	Click to Compare
Capital	364.00K
Leverage Ratio	7.00
Loan Loss Reserves to Loans	0.38%

Liquidity	Schenectady County Employees Federal Credit Union Schenectady, NY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	0.00%
Liquidity Ratio	11.62%

Profitability	Schenectady County Employees Federal Credit Union Schenectady, NY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.12%
Net Income	8.00K
Net Interest Spread	5.44%
Operating Profit to Average Assets	0.63%
Overhead Efficiency Ratio	86.76%
Return on Assets	0.63%
Return on Equity	8.89%