DIRECTORS CHOICE Credit Union Profile

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DIRECTORS CHOICE

Charter #68420 | NCUA Region 1 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (518) 456-2686

Fax: (518) 452-9065

Founding Date: N/A

Website: http://www.directorschoicecu.com/

Personnel & Operations

President: Guarino, Eugene

Manager: Isabel, Linda

FT Employees: 2

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 1

Hours: MON-FRI 9:00AM-4:30PM

Credit Union Profile Summary

DIRECTORS CHOICE is a FISCU Credit Union. With a total of 758 members [1], this institution manages approximately $11,369,142 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 23.07% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -19.12% [1].

Financial Snapshot

Total Assets [1]
$11,369,142

Total economic resources.

Total Loans [1]
$7,220,275

Total value of outstanding loans.

Total Deposits [1]
$8,747,910

Total funds deposited by members.

Members [1]
758

Number of active members.

Performance Ratios

Net Worth Ratio [1]
23.07%

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]
2.53%

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

Loan-to-Share Ratio [1]
82.54%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -1.23%

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

Loan Growth (4Q) [1]
↓ -19.12%

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

Member Growth (4Q) [1]
↓ -2.45%

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

Headquarters Location & Map

Headquarters Address

1 SOUTH FAMILY DRIVE

ALBANY, NY, 12205
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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 DIRECTORS CHOICE (Charter #68420).

Main Office

DCCU Main Office

Type: Corporate Office

1 South Family Drive

Albany, NY 12205

Phone: (518) 456-2686

Services: Member Services

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Additional Branches

Albany

Directors Choice Credit Union

Type: Corporate Office

1 South Family Drive

Albany, NY 12205

Phone: (518) 456-2686

Services: Member Services

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