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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 187th largest credit union in the state of New York. It is also the 3,565th largest credit union in the nation. It was established in 1935 and as of June of 2016, it had grown to 4 employees and 2,261 members at 2 locations. 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 - YTD0.36%
Return on Equity - YTD4.16%
Annual Interest Income$165.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$18.1MM$17.4MM
LoansQ2 2016vs Q2 2015$5.8MM$5.8MM
DepositsQ2 2016vs Q2 2015$16.5MM$15.8MM
Equity CapitalQ2 2016vs Q2 2015$1.6MM$1.5MM
Loan Loss AllowanceQ2 2016vs Q2 2015$11.00K$11.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$0$2.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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Gowanda Area Federal Credit Union Savings Account Rates

0.40%--IRA Share
0.05%$300-Share Savings
0.05%$300-Club Accounts

Gowanda Area Federal Credit Union Locations
Branch Office62 S Elmwood AveBuffalo, NY 14202
Branch Office14266 Taylor Hollow RdGowanda, NY 14070-9703