Overview / Commentary
CCSE Federal Credit Union is headquartered in Salamanca and is the 113th largest credit union in the state of New York. It is also the 2,266th largest credit union in the nation. It was established in 1977 and as of March of 2025, it had grown to 12 employees and 5,764 members at 3 locations. CCSE Federal Credit Union has a B+ health rating.
Field of Membership Restrictions
Membership in CCSE Federal Credit Union is open to those who live, work, worship, or attend school Cattaraugus County, New York. Immediate family members of current CCSE FCU members are also eligible to join.
See current membership details
Health
B+
Data as of Q1 2025
Learn why bank health mattersAdditional 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. CCSE Federal Credit Union has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 22754 |
| Year Chartered | 1977 |
| Employees | 12 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.6% |
| Return on Equity - YTD | 6.25% |
| Annual Interest Income | $577K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $60.9MM$58.9MM |
| Loans | Q1 2025vs Q1 2024 | $26.3MM$25.7MM |
| Deposits | Q1 2025vs Q1 2024 | $55.2MM$53.5MM |
| Equity Capital | Q1 2025vs Q1 2024 | $5.7MM$5.4MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $68K$72K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $74K$73K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |