CU Explorer
Credit unions · New York · Q2 2026

State CS Employees FCU

Credit union in Watertown, NY · NCUA charter #16207 · Federal charter

Legal name: State CS Employees

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$49.4M
Total loans & leases$38.9M
Total shares & deposits$44.7M
Members2,916
Net worth$4.6M
Net worth / assets9.30%
Loans / assets78.70%
Return on assets (annualized)1.34%
Loan growth (YoY)9.50%
Member growth (YoY)3.26%
Delinquency, all loans (60+ days)0.77%
CharterFederal charter
Asset band< $50M
NCUA peer group$10M–$50M
Sponsor typeGovernment

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech mortgage lending, fintech investment services, online membership application, online loan application, online account opening, online loan payments, bill payment, e-signature, e-Statements, remote deposit capture. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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