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 183rd largest credit union in the state of New York. It is also the 3,432nd largest credit union in the nation. It was established in 1964 and as of September of 2018, it had grown to 6 employees and 2,232 members at 2 locations. State CS Employees Federal Credit Union's CD rates are 2X 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
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD6.57%
Annual Interest Income$557.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$18.8MM$17.5MM
LoansQ3 2018vs Q3 2017$13.5MM$12.4MM
DepositsQ3 2018vs Q3 2017$16.6MM$15.4MM
Equity CapitalQ3 2018vs Q3 2017$2.2MM$2.0MM
Loan Loss AllowanceQ3 2018vs Q3 2017$83.00K$82.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$42.00K$20.00K
Real Estate OwnedQ3 2018vs Q3 2017$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
0.45%*$20k*-Savings Account
OTHER TIERS: 0.10% $50 - $5k | 0.25% $5k - $10k | 0.35% $10k - $20k

State CS Employees Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%--1 Year Term Share Certificate
1.51%--6 Month Term Share Certificate
0.95%$25-12 Month Lucky Savers CD
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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