Chen-Del-O Federal Credit Union

Overview / Commentary

Chen-Del-O Federal Credit Union is headquartered in FRANKLIN and is the 162nd largest credit union in the state of New York. It is also the 3,068th largest credit union in the nation. It was established in 1954 and as of December of 2018, it had grown to 6 employees and 3,308 members at 1 location. Chen-Del-O Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees, students and retirees of all public, private and parochial schools of Delaware, Otsego and Chenango Counties, State University of New York, Delhi, Springbrook, Youth Leadership Academy, Mountainside Residential Care Center, Margaretville Hospital, Village of Franklin Employees, Town of Franklin Employees, Utica School of Commerce, Hartwick College, O'Connor Division of Bassett Hospital, BOCES Groups in Otsego-Northern Catskill, Stamford, Delaware-Chenango, Norwich.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Chen-Del-O Federal Credit Union has a low asset base.

Health Grade Components

NCUA #9517
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD4.8%
Annual Interest Income$760.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$25.7MM$25.9MM
LoansQ4 2018vs Q4 2017$9.1MM$9.2MM
DepositsQ4 2018vs Q4 2017$23.1MM$23.4MM
Equity CapitalQ4 2018vs Q4 2017$2.6MM$2.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$98.00K$95.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$167.00K$152.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Chen-Del-O Federal Credit Union Savings Account Rates

0.60%--IRA Share Account
0.15%*$5k*-Regular Share Account
OTHER TIERS: 0.10% $100 - $5k
0.15%*$5k*-Holiday Club Account
OTHER TIERS: 0.10% $100 - $5k
0.15%*$5k*-Club Account
OTHER TIERS: 0.10% $100 - $5k
0.15%*$5k*-Youth Account
OTHER TIERS: 0.10% $5 - $5k

Chen-Del-O Federal Credit Union CD Rates

1.30%$500-36 Month Share Certificate
1.10%$500-24 Month Share Certificate
0.95%$500-18 Month Share Certificate
0.80%$500-12 Month Share Certificate
0.60%$500-6 Month Share Certificate

Chen-Del-O Federal Credit Union IRA Rates

1.30%$500-36 Month IRA Certificate
1.10%$500-24 Month IRA Certificate
0.95%$500-18 Month IRA Certificate
0.80%$500-12 Month IRA Certificate
0.60%$500-6 Month IRA Certificate

Chen-Del-O Federal Credit Union Locations
Branch Office114 MAIN STFRANKLIN, NY 13775

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