STATE CS EMPLOYEES
Charter #16207 · WATERTOWN, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.01% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 3.75% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 2.07% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 67.38% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 28th — a 44-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | STATE CS EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $48.66M | 99th pct | 57th pct |
| Members | 2,866 | 72th pct | 28th pct |
| Net worth ratio | 9.01% | 10th pct | 20th pct |
| Return on average assets | 0.98% | 67th pct | 67th pct |
| Net interest margin | 3.75% | 45th pct | 18th pct |
| Cost of funds | 2.07% | 91th pct | 87th pct |
| Loan-to-share | 83.39% | 87th pct | 67th pct |
| Delinquency 60+ days | 0.54% | 48th pct | 36th pct |
| Net charge-off ratio | 0.49% | 71th pct | 59th pct |
| Loan growth YoY | 1.12% | 77th pct | 66th pct |
| Share growth YoY | 8.50% | 92th pct | 84th pct |
| Efficiency ratio | 67.38% | 22th pct | 16th pct |
structural peer set hash: 83e2025418c217d3dd27180097fdbc06… (reproducible)
Closest structural peers
This is the free public view
Claim STATE CS EMPLOYEES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.