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 204th largest credit union in the state of New York. It is also the 3,616th largest credit union in the nation. It was established in 1950 and as of March of 2022, it had grown to 4 employees and 1,134 members at 3 locations. Cadets Federal Credit Union's CD rates are 11% higher than the national average, and it 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 the following credit union affiliates: Assumption Parish, American Legion Post 1041, Aurora Plumbing & Excavation, DeLacy Ford, 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
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD7.58%
Annual Interest Income$175.00K
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$15.9MM$15.7MM
LoansQ1 2022vs Q1 2021$11.8MM$11.8MM
DepositsQ1 2022vs Q1 2021$14.4MM$14.4MM
Equity CapitalQ1 2022vs Q1 2021$1.4MM$1.3MM
Loan Loss AllowanceQ1 2022vs Q1 2021$90.00K$98.00K
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$100.00K$84.00K
Real Estate OwnedQ1 2022vs Q1 2021$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
0.50%$1k-IRA Share Account
0.25%*$2.5k*-Holiday Club
OTHER TIERS: 0.13% $250 - $2.5k
0.25%*$2.5k*-Vacation Club
OTHER TIERS: 0.13% $250 - $2.5k
0.25%*$2.5k*-Camping Club
OTHER TIERS: 0.13% $250 - $2.5k
0.25%$1k-Youth Account
0.13%$2.5k-Premium Share Account
0.08%$100-Regular Share Account

Cadets Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.13%*$5k*-Premium Share Draft Checking
OTHER TIERS: 0.08% $2.5k - $5k

Cadets Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%*$25k*$250k5 Year Share Certificate
OTHER TIERS: 1.51% $1k - $25k
1.51%*$25k*$250k4 Year Share Certificate
OTHER TIERS: 1.38% $1k - $25k
1.26%*$25k*$250k3 Year Share Certificate
OTHER TIERS: 1.13% $1k - $25k
1.13%*$25k*$250k2 Year Share Certificate
OTHER TIERS: 1.00% $1k - $25k
1.00%*$25k*$250k12 Month Share Certificate
OTHER TIERS: 0.88% $1k - $25k

Cadets Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%*$25k*$250k5 Year IRA Certificate
OTHER TIERS: 1.51% $1k - $25k
1.51%*$25k*$250k4 Year IRA Certificate
OTHER TIERS: 1.38% $1k - $25k
1.26%*$25k*$250k3 Year IRA Certificate
OTHER TIERS: 1.13% $1k - $25k
1.13%*$25k*$250k2 Year IRA Certificate
OTHER TIERS: 1.00% $1k - $25k
1.00%*$25k*$250k12 Month IRA Certificate
OTHER TIERS: 0.88% $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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