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Overview / Commentary
14266 Taylor Hollow Rd
Gowanda, NY 14070-9703

Gowanda Area Federal Credit Union is headquartered in Gowanda and is the 179th largest credit union in the state of New York. It is also the 3,444th largest credit union in the nation. It was established in 1935 and as of September of 2017, it had grown to 4 employees and 2,171 members at 1 location. Gowanda Area Federal Credit Union has a B health rating.

Field of Membership Restrictions

Must be an employee of the New York State, Seneca Nation of Indians, local municipality or other select organizations.
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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. Gowanda Area Federal Credit Union has a low asset base.

Health Grade Components

NCUA #818
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD5.96%
Annual Interest Income$276.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$19.4MM$18.4MM
LoansQ3 2017vs Q3 2016$6.1MM$5.7MM
DepositsQ3 2017vs Q3 2016$17.7MM$16.8MM
Equity CapitalQ3 2017vs Q3 2016$1.7MM$1.6MM
Loan Loss AllowanceQ3 2017vs Q3 2016$6.00K$9.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$6.00K$8.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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Gowanda Area Federal Credit Union Savings Account Rates

0.50%--IRA Shares
0.05%$300-Share Account
0.05%$300-Club Account

Gowanda Area Federal Credit Union Locations
Branch Office14266 Taylor Hollow RdGowanda, NY 14070-9703