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Adirondack Regional Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.05%SavingsRegular Shares
0.30%3-year CD3 Years Share Certificate
0.20%2-year CD2 Years Share Certificate

Overview / Commentary
518-359-2921
280 Park St
Tupper Lake, NY 12986-1909

Adirondack Regional Federal Credit Union is headquartered in Tupper Lake and is the 123rd largest credit union in the state of New York. It is also the 2,461st largest credit union in the nation. It was established in 1947 and as of September of 2016, it had grown to 14 employees and 6,341 members at 3 locations. Adirondack Regional Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in Clinton, Essex, and Franklin Counties of New York and select areas of St. Lawrence County. Membership is also open to employees of select companies, schools, and other organizations.
See current membership details

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Adirondack Regional Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #5546
Year Chartered1947
Employees14
Primary Regulator
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD3.87%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$44.0MM$40.9MM
LoansQ3 2016vs Q3 2015$21.9MM$22.2MM
DepositsQ3 2016vs Q3 2015$40.2MM$37.5MM
Equity CapitalQ3 2016vs Q3 2015$3.5MM$3.3MM
Loan Loss AllowanceQ3 2016vs Q3 2015$279.00K$336.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$66.00K$57.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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Adirondack Regional Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2,500$10kPlateau I Share
0.05%$100-Regular Shares
0.05%$100-Christmas Club Account
0.05%$100-Regular IRA Shares
0.05%$100-Vacation Club Account
0.05%$100-Tax Club Account

Adirondack Regional Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$1k-3 Years Share Certificate
0.20%$1k-2 Years Share Certificate

Adirondack Regional Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$1k-2 Year IRA Share Certificate
Locations


Adirondack Regional Federal Credit Union Locations
Branch Office280 Park StTupper Lake, NY 12986-1909
Branch Office166 Market StPotsdam, NY 13676-1238
Branch Office23 Smithfield Blvd 4 Seaons PlazaPlattsburgh, NY 12901