CU Explorer
Credit unions · New York · Q2 2026

Directors Choice CU

Credit union in Albany, NY · NCUA charter #68420 · State charter (federally insured)

Legal name: Directors Choice

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

Total assets$11.9M
Total loans & leases$6.4M
Total shares & deposits$9.1M
Members731
Net worth$2.8M
Net worth / assets23.60%
Loans / assets53.38%
Return on assets (annualized)1.52%
Loan growth (YoY)−11.80%
Member growth (YoY)−3.56%
Delinquency, all loans (60+ days)4.58%
CharterState charter (federally insured)
Asset band< $50M
NCUA peer group$10M–$50M
Sponsor typeGovernment (inferred from the name)

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 auto lending, online loan payments, bill payment, e-Statements, external transfers / ACH. 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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