E
Schenectady County Employees Federal Credit Union
Rating Date
September 2025
Net Capital
Ratio
6.76
Leverage
Ratio
6.76
Return On
Assets
0.19%
Total
Assets
5.45M
Capital
368.00K
Total
Deposits
5.05M
Net
Income
5.00K
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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 5.30
Capitalization Index 4.40
Liquidity Index 3.90
Profitability Index 1.00
Stability Index 2.10
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 4.47%
5-Year Asset Growth 3.69%
5-Year Charge-Offs to Average Loans 0.32%
Charge-Offs to Average Loans 0.43%
Non-Performing Assets to Assets 0.66%
Non-Performing Loans to Capital 9.02%
Non-Performing Loans to Loans 0.95%
Balance Sheet Schenectady County Employees Federal Credit Union
Schenectady, NY 		Click to
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Total Assets 5.45M
Total Deposits 5.05M
Capital and Reserves Schenectady County Employees Federal Credit Union
Schenectady, NY 		Click to
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Capital 368.00K
Leverage Ratio 6.76
Loan Loss Reserves to Loans 0.82%
Liquidity Schenectady County Employees Federal Credit Union
Schenectady, NY 		Click to
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Hot Money Ratio 0.00%
Liquidity Ratio 28.87%
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 5.00K
Net Interest Spread 5.82%
Operating Profit to Average Assets 0.15%
Overhead Efficiency Ratio 85.29%
Return on Assets 0.19%
Return on Equity 2.74%