STATE CS EMPLOYEES Credit Union Profile

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STATE CS EMPLOYEES

Charter #16207 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (315) 785-2400

Fax: (315) 785-2459

Founding Date: N/A

Website: HTTP://WWW.STATECS.ORG

Personnel & Operations

President: Virkler, Owen

Manager: Ramirez, Jacqueline

FT Employees: 10

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 36

Branches: 2

Hours: 8:00 A.M. - 3:00 P.M. MONDAY THRU FRIDAY

Credit Union Profile Summary

STATE CS EMPLOYEES is a FCU Credit Union. With a total of 2,824 members [1], this institution manages approximately $43,642,264 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.49% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 11.43% [1].

Financial Snapshot

Total Assets [1]
$43,642,264

Total economic resources.

Total Loans [1]
$35,528,132

Total value of outstanding loans.

Total Deposits [1]
$39,334,779

Total funds deposited by members.

Members [1]
2,824

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.49%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
2.02%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
90.32%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 15.58%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 11.43%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 4.98%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

DULLES STATE OFFICE BUILDING, 317 W

WATERTOWN, NY, 13601
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 2 branches reported by STATE CS EMPLOYEES (Charter #16207).

Main Office

MAIN OFFICE Main Office

Type: Corporate Office

Dulles State Office Building

317 Washington Street

Watertown, NY 13601

Phone: (315) 785-2400

Services: Member Services, ATM

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Additional Branches

Watertown

BRANCH OFFICE

Type: Branch Office

144 Eastern Boulevard

Watertown, NY 13601

Phone: (315) 785-2470

Services: Member Services, ATM, Drive-Thru

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