Syracuse Cooperative Federal Credit Union (23865), a $43.2M credit union headquartered in Syracuse, NY, led by CEO Sauve, reported 3,614 members at the end of 2025 Q3, a decrease of 15 members (-0.4%) compared to the same quarter last year.

Stable membership suggests mature market positioning with focus on deepening existing relationships rather than aggressive acquisition.

Per-Member Economics

Syracuse Cooperative Federal Credit Union's 3,614 members maintain an average of $10K in deposits and $10K in loans. Per-member balances growing faster than membership indicates deepening wallet share—a positive sign for member engagement.

Membership Trends

Membership levels have stabilized, suggesting the credit union has reached a steady state within its field of membership.

Field of Membership Penetration

Syracuse Cooperative Federal Credit Union has a defined field of membership comprising 148,620 potential members. With 3,614 current members, the credit union achieves a 2.4% penetration rate, representing significant untapped growth potential.

Historical Context: Since the 2008 Crisis

Syracuse Cooperative Federal Credit Union's membership has grown 30% since Q3 2008, when the financial crisis peaked. At that time, the credit union served 2,787 members.

This growth trajectory demonstrates steady member acquisition through multiple economic cycles.

Peer Comparison

Among 1012 credit unions in its $21.6M–$64.8M asset peer group, Syracuse Cooperative Federal Credit Union ranks in the 63rd percentile for membership growth.

Outlook

Syracuse Cooperative Federal Credit Union's membership trajectory will depend on its ability to differentiate through service quality, digital capabilities, and community engagement in an increasingly competitive landscape.

Syracuse Cooperative Federal Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether the credit union can stabilize and reverse membership trends.