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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 211th largest credit union in the state of New York. It is also the 3,761st largest credit union in the nation. It was established in 1950 and as of March of 2019, it had grown to 5 employees and 896 members at 3 locations. Cadets Federal Credit Union's CD rates are 96% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership is open to members and employees of Polish Cadets Club of Buffalo, American Legion Post 1041, Assumption Parish, Liston Manufacturing Inc.
See current membership details

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Health
C+
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
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD4.87%
Annual Interest Income$139.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$13.5MM$12.5MM
LoansQ1 2019vs Q1 2018$8.6MM$7.9MM
DepositsQ1 2019vs Q1 2018$12.2MM$11.1MM
Equity CapitalQ1 2019vs Q1 2018$1.2MM$1.4MM
Loan Loss AllowanceQ1 2019vs Q1 2018$65.00K$60.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$155.00K$102.00K
Real Estate OwnedQ1 2019vs Q1 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%*$2.5k*-Holiday Club
OTHER TIERS: 0.50% $100 - $2.5k
0.75%*$2.5k*-Vacation Club
OTHER TIERS: 0.50% $100 - $2.5k
0.75%*$2.5k*-Camping Club
OTHER TIERS: 0.50% $100 - $2.5k
0.50%$2.5k-Premium Share Account
0.38%*$2.5k*-HSA Share Draft Checking
OTHER TIERS: 0.25% $250 - $2.5k
0.25%$100-Regular Share Account

Cadets Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$5k*-Premium Share Draft Checking
OTHER TIERS: 0.25% $2.5k - $5k

Cadets Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.65%*$25k*-5 Year Share Certificate
OTHER TIERS: 2.40% $1k - $5k | 2.52% $5k - $25k
2.40%*$25k*-4 Year Share Certificate
OTHER TIERS: 2.14% $1k - $5k | 2.27% $5k - $25k
2.27%*$25k*-3 Year Share Certificate
OTHER TIERS: 2.02% $1k - $5k | 2.14% $5k - $25k
2.14%*$25k*-30 Month Share Certificate
OTHER TIERS: 1.89% $1k - $5k | 2.02% $5k - $25k
2.02%*$25k*-2 Year Share Certificate
OTHER TIERS: 1.76% $1k - $5k | 1.89% $5k - $25k
1.89%*$25k*-18 Month Share Certificate
OTHER TIERS: 1.64% $1k - $5k | 1.76% $5k - $25k
1.76%*$25k*-12 Month Share Certificate
OTHER TIERS: 1.51% $1k - $5k | 1.64% $5k - $25k

Cadets Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.65%*$25k*-5 Year IRA Certificate
OTHER TIERS: 2.40% $1k - $5k | 2.52% $5k - $25k
2.40%*$25k*-4 Year IRA Certificate
OTHER TIERS: 2.14% $1k - $5k | 2.27% $5k - $25k
2.27%*$25k*-3 Year IRA Certificate
OTHER TIERS: 2.02% $1k - $5k | 2.14% $5k - $25k
2.14%*$25k*-30 Month IRA Certificate
OTHER TIERS: 1.89% $1k - $5k | 2.02% $5k - $25k
2.02%*$25k*-2 Year IRA Certificate
OTHER TIERS: 1.76% $1k - $5k | 1.89% $5k - $25k
1.89%*$25k*-18 Month IRA Certificate
OTHER TIERS: 1.64% $1k - $5k | 1.76% $5k - $25k
1.76%*$25k*-12 Month IRA Certificate
OTHER TIERS: 1.51% $1k - $5k | 1.64% $5k - $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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