SIDNEY Credit Union Profile

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SIDNEY

Charter #6011 | NCUA Region 1 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (607) 561-7300

Fax: (607) 563-7474

Founding Date: N/A

Website: HTTP://WWW.SFCUONLINE.ORG

Personnel & Operations

President: McLean, Scott

Manager: Reynolds, Jim

FT Employees: 206

PT Employees: 17

Designations & Ratios

MDI Status: No

RBC Ratio: 14.2%

Membership Type: 66

Branches: 13

Hours: Monday-Friday 7 a.m. - 6 p.m. Saturday 9

Credit Union Profile Summary

SIDNEY is a FCU Credit Union. With a total of 74,066 members ^[1], this institution manages approximately $1,128,364,979 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.28% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 25.94% ^[1].

Financial Snapshot

Total Assets ^[1]

$1,128,364,979

Total economic resources.

Total Loans ^[1]

$963,401,171

Total value of outstanding loans.

Total Deposits ^[1]

$1,013,383,409

Total funds deposited by members.

Members ^[1]

74,066

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

10.28%

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]

0.93%

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

Loan-to-Share Ratio ^[1]

95.07%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 13.87%

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

Loan Growth (4Q) ^[1]

↑ 25.94%

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

Member Growth (4Q) ^[1]

↑ 3.91%

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

Headquarters Location & Map

Headquarters Address

42 Union St

Sidney, NY, 13838

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 10 branches reported by SIDNEY (Charter #6011).

Main Office

Sidney Main Office

Type: Corporate Office

Market St., Oneonta

Type: Branch Office

53 Market St

Oneonta, NY 13820

Phone: (607) 432-3432

Services: Member Services, ATM, Drive-Thru

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Oneida St., Oneonta

Type: Branch Office

75 Oneida St

Oneonta, NY 13820

Phone: (607) 431-1240

Services: Member Services, ATM, Drive-Thru

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Walton

Type: Branch Office

3 Liberty St

Walton, NY 13856

Phone: (607) 865-4153

Services: Member Services, ATM, Drive-Thru

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