CU Explorer
Credit unions · New York · Q2 2026

Schenectady County Employees FCU

Credit union in Schenectady, NY · NCUA charter #16278 · Federal charter

Legal name: Schenectady County Employees

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

Total assets$5.6M
Total loans & leases$3.5M
Total shares & deposits$5.2M
Members645
Net worth$398K
Net worth / assets7.09%
Loans / assets62.63%
Return on assets (annualized)0.51%
Loan growth (YoY)−7.14%
Member growth (YoY)−0.77%
Delinquency, all loans (60+ days)0.93%
CharterFederal charter
Asset band< $50M
NCUA peer group$2M–$10M
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): online loan payments. 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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