Credit union

Directors Choice Credit Union

Albany, New York, Albany County, NY

$12M in total assets and 731 members, the 3,424th largest of 4,298 US credit unions and 203rd of 268 headquartered in New York.

At a glance

Compared with 117 federally insured credit unions in New York with under $100 million in assets, as of June 30, 2026.

Measure	This credit union	Percentile	Peer median
Total assets	$12M	5%	$36M
Loans	$6M	14%	$14M
Deposits (shares)	$9M	2%	$31M
Members	731	2%	2,651
Return on assets	1.50%	84%	0.85%
Net interest income to assets	3.33%	27%	3.74%
Efficiency ratio	34.0%	2%	78.3%
Net worth ratio	23.60%	96%	12.04%
Loans to shares	70%	75%	52%
Cost of deposits	2.57%	97%	0.72%

Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.

Total assets grew 4.8% a year over 10 years but fell 1.3% a year over the last 5, without mergers. Membership fell 2.5% a year over 5 years, to 731.

0 branches in 0 counties.

Year end	Branches	Change
2021	1
2023	1	0

Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.

Year to date, annualized, with the peer median.

Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.

Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.