Home
Contents
Explore
Search

Chen-Del-O Credit Union

Overview
Back to Top

Chen-Del-O Credit Union is a federal credit union based in Franklin, New York. It has been opened since 1954, for 66 years.

With around $25,710,000 in assets, Chen-Del-O Credit Union is considered to be an average size credit union.

About
Address Po Box 102
Franklin, New York 13775
Website http://www.chendelo.org
Phone (607) 829-3560
Fax (607) 829-3561
CEO Sue A. Giudice
President of the Board Joseph Walsh
Services Offered
Map
Back to Top
Score Card
Back to Top
66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
3,308 members
Membership type: Multiple common bond – primary educational
Average number of members
551:1
Credit union member to staff ratio
551 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
$25,709,257
Total assets
Average size
1 branch
Compared with an average of 4 nationally and 3 in New York
Average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
11.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
Back to Top
1 branch
Compared with an average of 4 nationally and 3 in New York
Average number of branches
Chen-Del-O Credit Union Branch Locations

Chen-Del-O Credit Union: Main Office
114 Main Street
Franklin, New York 13775
No ATM
Members
Back to Top
3,308 members
Membership type: Multiple common bond – primary educational
Average number of members

With 3,308 members, the Chen-Del-O Credit Union is considered to be a medium size credit union. It is larger than 47% of credit unions.

Fees
Back to Top
$8
Average fee per member
The average fee per member at the Chen-Del-O Credit Union is $8, which is very low compared to most credit unions. This rate is lower than 84% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Chen-Del-O Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
Back to Top
551:1
Credit union member to staff ratio
551 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
6 staff members
FTE (full-time equivalent)
0% of employees are part-time
6 full-time, 0 part-time

Chen-Del-O Credit Union has 6 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Chen-Del-O Credit Union has around 551 members per staff, a high ratio compared to other credit unions.

Assets
Back to Top
$25,709,257
Total assets
Average size
Net worth
Back to Top
Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.1%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
Back to Top
$6,443
Average loan and lease size
Loan & lease sizes are very small. They are smaller than at 82% of credit unions.

Chen-Del-O Credit Union holds a total of $9,110,000 in loans and leases, which is about $6,443 per member on average.

Savings interest rate
Back to Top
0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Chen-Del-O Credit Union pays 0.10%.

Loan rates
Back to Top
11.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
8.50%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
2.10%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
Back to Top
3.75%
New car loan rate
Compared to 4.0% nationally
4.50%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
Back to Top
4.75%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.00%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
G.P.O. Credit Union
Location
New Hartford, New York
Members
31,554
Assets
Net Worth Classification
Well Capitalized
Average Fee
Credit Card Loan Interest Rate
8.99%
Read More
Spc Brooklyn Credit Union
Location
Brooklyn, New York
Members
300
Assets
Net Worth Classification
Well Capitalized
Average Fee
Read More
New Covenant Dominion Credit Union
Location
Bronx, New York
Members
381
Assets
Net Worth Classification
Well Capitalized
Average Fee
Read More
Last Credit Union
Location
Long Island City, New York
Members
436
Assets
Net Worth Classification
Well Capitalized
Average Fee
Read More
Fasny Credit Union
Location
Albany, New York
Members
1183
Assets
Net Worth Classification
Well Capitalized
Average Fee
Read More
St. John United Credit Union
Location
Buffalo, New York
Members
1158
Assets
Net Worth Classification
Well Capitalized
Average Fee
Read More