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Overview / Commentary
716-532-3790
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 3,553rd largest credit union in the nation. It was established in 1935 and as of December of 2016, it had grown to 4 employees and 2,217 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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Health
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

Overall
NCUA #818
Year Chartered1935
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD0.37%
Return on Equity - YTD4.19%
Annual Interest Income$336.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$18.1MM$17.4MM
LoansQ4 2016vs Q4 2015$5.7MM$6.0MM
DepositsQ4 2016vs Q4 2015$16.5MM$15.8MM
Equity CapitalQ4 2016vs Q4 2015$1.6MM$1.6MM
Loan Loss AllowanceQ4 2016vs Q4 2015$6.00K$11.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$6.00K$1,000
Real Estate OwnedQ4 2016vs Q4 2015$0$0
Rates
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Gowanda Area Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--IRA Shares
0.05%$300-Share Account
0.05%$300-Club Account
Locations


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