Adirondack Regional Federal Credit Union


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 115th largest credit union in the state of New York. It is also the 2,326th largest credit union in the nation. It was established in 1947 and as of December of 2019, it had grown to 16 employees and 6,139 members at 3 locations. Adirondack Regional Federal Credit Union's savings rates are 2X the national average, and it 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 relatively low asset base.

Health Grade Components

Overall
NCUA #5546
Year Chartered1947
Employees16
Primary Regulator
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD10.51%
Annual Interest Income$2.0MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$50.1MM$48.4MM
LoansQ4 2019vs Q4 2018$25.8MM$24.0MM
DepositsQ4 2019vs Q4 2018$45.5MM$44.2MM
Equity CapitalQ4 2019vs Q4 2018$4.5MM$4.0MM
Loan Loss AllowanceQ4 2019vs Q4 2018$180.00K$309.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$140.00K$118.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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Adirondack Regional Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$2.5k$10kPlateau I Share
0.25%$100-Regular Shares
0.25%$100-Christmas Club Account
0.25%$100-Vacation Club Account
0.25%$100-Tax Club Account
0.25%$100-Business Share Savings

Adirondack Regional Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1k-5 Year Share Certificate
0.75%$1k-3 Years Share Certificate
0.50%$1k-2 Years Share Certificate

Adirondack Regional Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$1k-3 Year IRA Share Certificate
0.50%$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

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