Gowanda Area Federal Credit Union

Overview / Commentary
14266 Taylor Hollow Rd
Gowanda, NY 14070

Gowanda Area Federal Credit Union is headquartered in Gowanda and is the 175th largest credit union in the state of New York. It is also the 3,247th largest credit union in the nation. It was established in 1935 and as of September of 2019, it had grown to 4 employees and 2,062 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.
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. Gowanda Area Federal Credit Union has a low asset base.

Health Grade Components

NCUA #818
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD1.41%
Return on Equity - YTD14.27%
Annual Interest Income$464.00K
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$21.8MM$21.5MM
LoansQ3 2019vs Q3 2018$9.0MM$7.2MM
DepositsQ3 2019vs Q3 2018$19.7MM$19.6MM
Equity CapitalQ3 2019vs Q3 2018$2.2MM$1.9MM
Loan Loss AllowanceQ3 2019vs Q3 2018$13.00K$10.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$0$18.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
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Gowanda Area Federal Credit Union Savings Account Rates

1.00%--IRA Shares
0.10%$300-Share Account
0.10%$300-Club Account

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

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