Clarence Community & Schools Federal Credit Union

Overview / Commentary

www.ccsfcu.com

716-630-0888

9145 Sheridan Dr
Clarence, NY 14031

Clarence Community & Schools Federal Credit Union is headquartered in Clarence and is the 170^th largest credit union in the state of New York. It is also the 3,221^st largest credit union in the nation. It was established in 1954 and as of March of 2019, it had grown to 6 employees and 2,963 members at 2 locations. Clarence Community & Schools Federal Credit Union's CD rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Amherst, Newstead, Clarence, or Akron.
See current membership details

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Health

Data as of Q1 2019

Learn why bank health matters

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. Clarence Community & Schools Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	9812
Year Chartered	1954
Employees	6
Primary Regulator

Profit Margin
Return on Assets - YTD	0.75%
Return on Equity - YTD	7.86%
Annual Interest Income	$232.00K

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$22.7MM$22.5MM
Loans	Q1 2019vs Q1 2018	$15.3MM$13.7MM
Deposits	Q1 2019vs Q1 2018	$20.5MM$20.5MM
Equity Capital	Q1 2019vs Q1 2018	$2.1MM$2.0MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$54.00K$48.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$24.00K$4.00K
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Savings
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Clarence Community & Schools Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	-	-	IRA Shares
0.15%^*	$25k^*	-	Regular Shares
OTHER TIERS: 0.05% → $100 - $25k
0.15%^*	$25k^*	-	Christmas Club Account
OTHER TIERS: 0.05% → $100 - $25k
0.15%^*	$25k^*	-	Vacation Club Account
OTHER TIERS: 0.05% → $100 - $25k

Clarence Community & Schools Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$500	-	36 Month CD
2.75%	$500	-	24 Month CD
2.75%	$500	-	48 Month CD
2.25%	$500	-	12 Month CD
2.25%	$25	-	12 Month Lucky Saver Certificate

Clarence Community & Schools Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$500	-	36 Month IRA
2.75%	$500	-	24 Month IRA
2.75%	$500	-	48 Month IRA
2.25%	$500	-	12 Month IRA

Locations

Clarence Community & Schools Federal Credit Union Locations
Branch Office	9625 Main St	Clarence, NY 14031
Branch Office	9145 Sheridan Dr	Clarence, NY 14031

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