Cadets Federal Credit Union


Overview / Commentary
716-771-3434
1751 Transit Rd
Elma, NY 14059

Cadets Federal Credit Union is headquartered in ELMA and is the 190th largest credit union in the state of New York. It is also the 3,255th largest credit union in the nation. It was established in 1950 and as of March of 2025, it had grown to 3 employees and 1,125 members at 3 locations. Cadets Federal Credit Union has a C+ 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 Anfield Transport Inc., Assumption Parish, American Legion Post 1041, Aurora Plumbing & Excavation, Black Rock Historical Society, Buffalo Golf Club, DeLacy Ford, East Seneca Fire Company, or 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
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD-0.36%
Return on Equity - YTD-4.42%
Annual Interest Income$260K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$18.7MM$18.5MM
LoansQ1 2025vs Q1 2024$11.3MM$11.8MM
DepositsQ1 2025vs Q1 2024$17.2MM$16.9MM
Equity CapitalQ1 2025vs Q1 2024$1.5MM$1.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$105K$86K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$152K$138K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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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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