SCF WESTCHESTER N. Y. EMPLOYEES
Charter #21231 · WHITE PLAINS, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.01% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.22% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 49th — a 23-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 | SCF WESTCHESTER N. Y. EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.58M | 25th pct | 23th pct |
| Members | 382 | 33th pct | 43th pct |
| Net worth ratio | 22.70% | 67th pct | 59th pct |
| Return on average assets | 0.93% | 69th pct | 72th pct |
| Net interest margin | 3.70% | 39th pct | 44th pct |
| Cost of funds | 0.01% | 12th pct | 8th pct |
| Loan-to-share | 36.39% | 26th pct | 49th pct |
| Delinquency 60+ days | 3.22% | 79th pct | 79th pct |
| Net charge-off ratio | 0.00% | 22th pct | 16th pct |
| Loan growth YoY | -4.23% | 55th pct | 64th pct |
| Share growth YoY | -13.85% | 4th pct | 7th pct |
| Efficiency ratio | 75.27% | 31th pct | 33th pct |
structural peer set hash: e062fda6d09cc79f9f3ab3786455628f… (reproducible)
Closest structural peers
This is the free public view
Claim SCF WESTCHESTER N. Y. 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.