Charter 6011 · Sidney, NY
Sidney Federal Credit Union
Sidney Federal Credit Union is a federally chartered credit union in Sidney, New York, with $1.27 billion in assets and 75,995 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.50%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.27 billion
- +12.9% in a year
- Members
- 75,995
- +2.6% in a year
- Net worth ratio
- 10.50%
- Peer median 10.79%
- Loans 60+ days late
- 0.85%
- Peer median 0.67%
- Loans outstanding
- $1.02 billion
- +6.4% in a year
- Shares and deposits
- $1.14 billion
- +12.3% in a year
- Branches
- 14
- 235 employees
- Opened
- 1949
- Federal charter
How Sidney Federal Credit Union compares
NCUA groups credit unions by size; Sidney Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 10.50% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.85%, is higher than the group median of 0.67%. Loans grew 6.4% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 22 of 268 credit unions headquartered in New York. See all New York credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.27 billion | 75,995 | $1.02 billion | 10.50% | 0.85% |
| Q1 2026 | $1.28 billion | 75,418 | $1.01 billion | 10.13% | 0.72% |
| Q4 2025 | $1.22 billion | 75,308 | $1.03 billion | 10.29% | 1.13% |
| Q3 2025 | $1.18 billion | 75,245 | $1.02 billion | 10.10% | 0.81% |
| Q2 2025 | $1.13 billion | 74,066 | $963 million | 10.28% | 0.95% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 972,552 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 13 sites for Sidney Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Sidney (main office)
42 Union St, Sidney, NY 13838 - Walton
3 Liberty St, Walton, NY 13856 - Greene
65 Genesee St, Greene, NY 13778 - Market St., Oneonta
53 Market St, Oneonta, NY 13820 - Oneida St., Oneonta
75 Oneida St, Oneonta, NY 13820 - Bainbridge
16 S Main St, Bainbridge, NY 13733 - Norwich
5900 County Route 32, Norwich, NY 13815 - Hancock
70 W Front Street Ext, Hancock, NY 13783 - Delhi
5 Main St, Delhi, NY 13753 - Amsterdam
4839 State Highway 30, Amsterdam, NY 12010 - Cicero
8062 Brewerton Rd, Cicero, NY 13039 - Liverpool
7545 Morgan Rd, Liverpool, NY 13090 - Morris
132 Main St, Morris, NY 13808
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology