State CS Employees Federal Credit Union


Overview / Commentary
315-785-2400
4th Floor, Dulles State Office Building 317 Washington St.
Watertown, NY 13601

State CS Employees Federal Credit Union is headquartered in WATERTOWN and is the 147th largest credit union in the state of New York. It is also the 2,747th largest credit union in the nation. It was established in 1964 and as of December of 2023, it had grown to 9 employees and 2,623 members at 2 locations. State CS Employees Federal Credit Union's money market rates are 7X the national average, and it has a B+ health rating.

Field of Membership Restrictions

State CS Employees Federal Credit Union offers membership to employees and retirees of the City of Watertown, New York State Civil Service and Watertown City School District .
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Health
B+
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. State CS Employees Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #16207
Year Chartered1964
Employees9
Primary Regulator
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD11.49%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$37.1MM$34.2MM
LoansQ4 2023vs Q4 2022$31.1MM$28.2MM
DepositsQ4 2023vs Q4 2022$33.6MM$31.1MM
Equity CapitalQ4 2023vs Q4 2022$3.3MM$2.9MM
Loan Loss AllowanceQ4 2023vs Q4 2022$367K$294K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$123K$102K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

State CS Employees Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$20k*-Savings Account
OTHER TIERS: 0.10% $50 - $5k | 0.25% $5k - $10k | 0.30% $10k - $20k

State CS Employees Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%*$75k*-Money Market
OTHER TIERS: 2.75% $2.5k - $25k | 3.00% $25k - $75k

State CS Employees Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$500-12 Month Term Share Certificate
4.25%$25-12 Month Lucky Savers CD
4.25%$500-24 Month Term Share Certificate
4.00%$500-6 Month Term Share Certificate
Locations


State CS Employees Federal Credit Union Locations
Branch Office144 Eastern BoulevardWATERTOWN, NY 13601
Main OfficeDulles State Office Building 317 Washington StreetWATERTOWN, NY 13601

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