SCHENECTADY COUNTY EMPLOYEES
Charter #16278 · Schenectady, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 645 sits at the 16th percentile of structural peers — worth a closer look.
- Net worth ratio of 7.11% sits at the 5th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 16th — a 39-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 | SCHENECTADY COUNTY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.65M | 68th pct | 33th pct |
| Members | 645 | 55th pct | 16th pct |
| Net worth ratio | 7.11% | 4th pct | 5th pct |
| Return on average assets | 0.37% | 49th pct | 51th pct |
| Net interest margin | 4.66% | 69th pct | 64th pct |
| Cost of funds | 0.90% | 62th pct | 46th pct |
| Loan-to-share | 66.68% | 60th pct | 31th pct |
| Delinquency 60+ days | 1.85% | 66th pct | 69th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -5.29% | 50th pct | 28th pct |
| Share growth YoY | 6.28% | 85th pct | 70th pct |
| Efficiency ratio | 92.69% | 60th pct | 67th pct |
structural peer set hash: 37be750081716edb6ff1080512fe16fb… (reproducible)
Closest structural peers
This is the free public view
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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.