School Systems Federal Credit Union

Headquarters

150 Defreest Dr
Troy, NY 12180
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

School Systems is an NCUA insured institution located in Troy, NY. It was founded in 1954 and has approximately $118.63 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 9486
Date Established 1954
Assets $118.63 million
Loans $35.61 million
Deposits $110.05 million
Capital $8.40 million
 

Field of Membership Restrictions

Membership is open to employees of Averill Park School District, East Greenbush Central School District, Latham Christian Academy, Berlin School District Menands Union-Free School, Albany College of Pharmacy, Siena College, and other select organizations.

Deposit Rates - November 29, 2021

Your Current Location: Virginia, VA 20146

We do not yet have rates for School Systems

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Advertiser Disclosure

Loan Rates - November 29, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SCHOOL SYSTEMS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Neighbors Bank
NMLS ID: 491986
3.203% 3.125% 1.00 $2,500 $1,071 Learn More
CIT Bank
NMLS ID: 541760
3.051% 2.975% 1.00 $2,432 $1,051 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Flagstar Bank-Heloc
Flagstar Bank-Heloc
See Table
4.990 %
$0 Learn More
More Info

Note to SCHOOL SYSTEMS
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Branches

Below are School Systems branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


School Systems Locations



Climate Initiatives

SCHOOL SYSTEMS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

School Systems Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of School Systems. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
School Systems U.S. Average
3.60% 3.79

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2021, School Systems had $307,650 in non-current loans and $0 in owned assets. To cover these potential losses it had $8,404,377 in net worth and $152,181 in loans loss reserves. That gives it a Texas Ratio of 3.60%.

Net Worth
School Systems U.S. Average
7.9% 12.22%

School Systems FCU has a net worth of 7.9% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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