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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 221st largest credit union in the state of New York. It is also the 3,923rd largest credit union in the nation. It was established in 1953 and as of September of 2017, it had grown to 4 employees and 1,184 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 - YTD0.04%
Return on Equity - YTD0.47%
Annual Interest Income$276.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$12.6MM$12.4MM
LoansQ3 2017vs Q3 2016$4.9MM$5.2MM
DepositsQ3 2017vs Q3 2016$11.5MM$11.3MM
Equity CapitalQ3 2017vs Q3 2016$1.1MM$1.1MM
Loan Loss AllowanceQ3 2017vs Q3 2016$14.00K$34.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$27.00K$77.00K
Real Estate OwnedQ3 2017vs Q3 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