Cadets Federal Credit Union


Overview / Commentary
716-873-1174
927 Grant St
Buffalo, NY 14207-2820

Cadets Federal Credit Union is headquartered in Buffalo and is the 210th largest credit union in the state of New York. It is also the 3,745th largest credit union in the nation. It was established in 1950 and as of June of 2019, it had grown to 4 employees and 930 members at 3 locations. Cadets Federal Credit Union's CD rates are 68% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Cadets Federal Credit Union is open anyone through joining the Polish Cadets Club of Buffalo ($25 membership fee). Also eligible for membership, are those who work for or belong to the following credit union affiliates: Assumption Parish, American Legion Post 1041, Aurora Plumbing & Excavation, DeLacy Ford, or Liston Manufacturing Inc.
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Health
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. Cadets Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #6930
Year Chartered1950
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD0.28%
Return on Equity - YTD3.07%
Annual Interest Income$282.00K
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$13.3MM$12.6MM
LoansQ2 2019vs Q2 2018$8.9MM$8.0MM
DepositsQ2 2019vs Q2 2018$12.1MM$11.3MM
Equity CapitalQ2 2019vs Q2 2018$1.2MM$1.3MM
Loan Loss AllowanceQ2 2019vs Q2 2018$49.00K$92.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$54.00K$34.00K
Real Estate OwnedQ2 2019vs Q2 2018$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cadets Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1k-IRA Share Account
0.75%$1k-Youth Account
0.50%*$2.5k*-Holiday Club
OTHER TIERS: 0.25% $250 - $2.5k
0.50%*$2.5k*-Vacation Club
OTHER TIERS: 0.25% $250 - $2.5k
0.50%*$2.5k*-Camping Club
OTHER TIERS: 0.25% $250 - $2.5k
0.25%$2.5k-Premium Share Account
0.25%*$2.5k*-HSA Share Draft Checking
OTHER TIERS: 0.13% $250 - $2.5k
0.13%$100-Regular Share Account

Cadets Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$5k*-Premium Share Draft Checking
OTHER TIERS: 0.13% $2.5k - $5k

Cadets Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%*$25k*$250k5 Year Share Certificate
OTHER TIERS: 2.02% $1k - $25k
2.03%$1k$250k9 Month Share Certificate Special
2.02%*$25k*$250k4 Year Share Certificate
OTHER TIERS: 1.76% $1k - $25k
1.89%*$25k*$250k3 Year Share Certificate
OTHER TIERS: 1.64% $1k - $25k
1.76%*$25k*$250k2 Year Share Certificate
OTHER TIERS: 1.51% $1k - $25k
1.64%*$25k*$250k18 Month Share Certificate
OTHER TIERS: 1.38% $1k - $25k
1.51%*$25k*$250k12 Month Share Certificate
OTHER TIERS: 1.26% $1k - $25k

Cadets Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%*$25k*$250k5 Year IRA Certificate
OTHER TIERS: 2.02% $1k - $25k
2.03%$1k$250k9 Month IRA Certificate Special
2.02%*$25k*$250k4 Year IRA Certificate
OTHER TIERS: 1.76% $1k - $25k
1.89%*$25k*$250k3 Year IRA Certificate
OTHER TIERS: 1.64% $1k - $25k
1.76%*$25k*$250k2 Year IRA Certificate
OTHER TIERS: 1.51% $1k - $25k
1.64%*$25k*$250k18 Month IRA Certificate
OTHER TIERS: 1.38% $1k - $25k
1.51%*$25k*$250k12 Month IRA Certificate
OTHER TIERS: 1.26% $1k - $25k
Locations


Cadets Federal Credit Union Locations
Branch Office927 Grant StBuffalo, NY 14207-2820
Branch Office1285 Erie AveN Tonawanda, NY 14120-3037
Branch Office1751 TRANSIT RDELMA, NY 14059-9687

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