Cadets Federal Credit Union

Overview / Commentary

www.cadetsfcu.com

716-771-3434

1751 Transit Rd
Elma, NY 14059

Cadets Federal Credit Union is headquartered in ELMA and is the 207^th largest credit union in the state of New York. It is also the 3,669^th largest credit union in the nation. It was established in 1950 and as of September of 2021, it had grown to 5 employees and 1,163 members at 3 locations. Cadets Federal Credit Union 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

Data as of Q3 2021

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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 Chartered	1950
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	1.32%
Return on Equity - YTD	14.97%
Annual Interest Income	$556.00K

Assets and Liabilities
Assets	Q3 2021vs Q3 2020	$15.2MM$14.8MM
Loans	Q3 2021vs Q3 2020	$12.1MM$11.2MM
Deposits	Q3 2021vs Q3 2020	$13.8MM$13.5MM
Equity Capital	Q3 2021vs Q3 2020	$1.4MM$1.2MM
Loan Loss Allowance	Q3 2021vs Q3 2020	$95.00K$79.00K
Unbacked Noncurrent Loans	Q3 2021vs Q3 2020	$99.00K$84.00K
Real Estate Owned	Q3 2021vs Q3 2020	$0$0

Rates

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Savings
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Cadets Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APY	MIN	MAX	ACCOUNT NAME
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
0.10%	$2.5k	-	Premium Share Account
0.05%	$100	-	Regular Share Account

Cadets Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%^*	$5k^*	-	Premium Share Draft Checking
OTHER TIERS: 0.05% → $2.5k - $5k

Cadets Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$25k^*	$250k	5 Year Share Certificate
OTHER TIERS: 0.63% → $1k - $25k
0.63%^*	$25k^*	$250k	4 Year Share Certificate
OTHER TIERS: 0.50% → $1k - $25k
0.50%^*	$25k^*	$250k	3 Year Share Certificate
OTHER TIERS: 0.38% → $1k - $25k
0.38%^*	$25k^*	$250k	2 Year Share Certificate
OTHER TIERS: 0.25% → $1k - $25k
0.25%	$1k	$250k	12 Month Share Certificate

Cadets Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$25k^*	$250k	5 Year IRA Certificate
OTHER TIERS: 0.63% → $1k - $25k
0.63%^*	$25k^*	$250k	4 Year IRA Certificate
OTHER TIERS: 0.50% → $1k - $25k
0.50%^*	$25k^*	$250k	3 Year IRA Certificate
OTHER TIERS: 0.38% → $1k - $25k
0.38%^*	$25k^*	$250k	2 Year IRA Certificate
OTHER TIERS: 0.25% → $1k - $25k
0.25%	$1k	$250k	12 Month IRA Certificate

Locations

Cadets Federal Credit Union Locations
Branch Office	927 Grant St	Buffalo, NY 14207-2820
Branch Office	1285 Erie Ave	N Tonawanda, NY 14120-3037
Branch Office	1751 TRANSIT RD	ELMA, NY 14059-9687

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