Steuben Citizens Federal Credit Union


Overview / Commentary
607-776-3684
2 Wilson Ave
Bath, NY 14810

Steuben Citizens Federal Credit Union is headquartered in Bath and is the 151st largest credit union in the state of New York. It is also the 2,764th largest credit union in the nation. It was established in 1949 and as of March of 2025, it had grown to 6 employees and 2,554 members at 3 locations. Steuben Citizens Federal Credit Union has a B health rating.

Field of Membership Restrictions

Steuben Citizens Federal Credit Union is open to businesses or other legal entities, and those who live, work, worship, or attend school in Steuben County, New York. Immediate family and household members of existing credit union members may also join.
See current membership details

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Health
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

Overall
NCUA #6225
Year Chartered1949
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.65%
Return on Equity - YTD5.41%
Annual Interest Income$259K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$35MM$35.5MM
LoansQ1 2025vs Q1 2024$7.5MM$7.1MM
DepositsQ1 2025vs Q1 2024$29.9MM$30.8MM
Equity CapitalQ1 2025vs Q1 2024$4.1MM$4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$75K$60K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$81K$1,000
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

Rates for Steuben Citizens Federal Credit Union are currently being reviewed.

Locations


Steuben Citizens Federal Credit Union Locations
Branch Office2 Wilson AveBath, NY 14810-1634
Branch Office3031 Airpark Dr NFlint, MI 48507-3471
Branch Office4897 W Lake Park Blvd Ste 200Salt Lake City, UT 84120-8207

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