Credit union · NCUA insured
Directors Choice Credit Union
A $12.2M credit union headquartered in Albany, NY, with 739 members and 2 branches in New York. Best rates: CDs 3.04% and savings 0.10% APY.
Directors Choice Credit Union Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#17 of 25 in Albany, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Directors Choice Credit Union
- Headquarters
- 1 South Family Drive, Albany, NY 12205
- NCUA charter
- 68420
Branches
2 branches in New York
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New York
2 branches
- DccuMain office1 South Family Drive, Albany, NY 12205Directions
- Directors Choice Credit Union1 South Family Drive, Albany, NY 12205Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 23.60% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 4.58% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.50% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $70 | $59 | — |
- CapitalNet worth ratio23.60%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late4.58%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.50%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$70Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Directors Choice Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.