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Enchanted Mountains Federal Credit Union

Popular Accounts at this Credit Union

0.40%1-year CD12 Months Share Certificate
0.10%SavingsRegular Shares
0.75%2-year CD24 Months Share Certificate

Overview / Commentary
180 W Main St
Allegany, NY 14706

Enchanted Mountains Federal Credit Union is headquartered in Allegany and is the 223rd largest credit union in the state of New York. It is also the 3,931st largest credit union in the nation. It was established in 1953 and as of June of 2017, it had grown to 4 employees and 1,196 members at 1 location. Enchanted Mountains Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Cattaraugus County, New York.
See current membership details


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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. Enchanted Mountains Federal Credit Union has a low asset base.

Health Grade Components

NCUA #8976
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.08%
Return on Equity - YTD0.87%
Annual Interest Income$181.00K
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$12.9MM$12.4MM
LoansQ2 2017vs Q2 2016$5.0MM$5.1MM
DepositsQ2 2017vs Q2 2016$11.8MM$11.4MM
Equity CapitalQ2 2017vs Q2 2016$1.1MM$1.1MM
Loan Loss AllowanceQ2 2017vs Q2 2016$18.00K$33.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$34.00K$40.00K
Real Estate OwnedQ2 2017vs Q2 2016$0$0
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Enchanted Mountains Federal Credit Union Savings Account Rates

0.30%$2,500-Premium Savings
0.10%$500-Regular Shares
0.10%$500-Christmas Club
0.10%$500-Youth Savings

Enchanted Mountains Federal Credit Union CD Rates

0.75%$1k-24 Months Share Certificate
0.75%$1k-36 Months Share Certificate
0.40%$1k-12 Months Share Certificate
0.25%$1k-6 Months Share Certificate

Enchanted Mountains Federal Credit Union Locations
Branch Office180 W Main StAllegany, NY 14706