Overview / Commentary
2 Wilson Ave
Bath, NY 14810-1634

Steuben Citizens Federal Credit Union is headquartered in Bath and is the 160th largest credit union in the state of New York. It is also the 3,057th largest credit union in the nation. It was established in 1949 and as of December of 2018, it had grown to 6 employees and 2,952 members at 1 location. Steuben Citizens Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Anyone who works, attends school, worships or lives, as well as, businesses and other legal entities located in Steuben County; and elected officials, members or employees of several organizations and select employer groups are eligible for membership with VAC Employees Federal Credit Union.
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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. Steuben Citizens Federal Credit Union has a low asset base.

Health Grade Components

NCUA #6225
Year Chartered1949
Primary Regulator
Profit Margin
Return on Assets - YTD0.06%
Return on Equity - YTD0.36%
Annual Interest Income$606.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$25.9MM$25.3MM
LoansQ4 2018vs Q4 2017$6.3MM$5.1MM
DepositsQ4 2018vs Q4 2017$21.7MM$21.1MM
Equity CapitalQ4 2018vs Q4 2017$4.1MM$4.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$45.00K$23.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$42.00K$61.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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Steuben Citizens Federal Credit Union Savings Account Rates

0.10%--Traditional IRA Share
0.10%--Roth IRA Share
0.10%--Coverdell (Educational) IRA Share

Steuben Citizens Federal Credit Union CD Rates

0.30%$1k-12 Month Time Share Certificate
0.20%$1k-6 Month Time Share Certificate

Steuben Citizens Federal Credit Union IRA Rates

0.45%--18 Month Roth IRA Time Share Certificate
0.45%--18 Month Traditional IRA Time Share Certificate

Steuben Citizens Federal Credit Union Locations
Branch Office2 Wilson AveBath, NY 14810-1634

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