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 172nd largest credit union in the state of New York. It is also the 3,238th largest credit union in the nation. It was established in 1935 and as of December of 2019, it had grown to 3 employees and 2,044 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 - YTD1.33%
Return on Equity - YTD13.06%
Annual Interest Income$619.00K
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$21.8MM$20.9MM
LoansQ4 2019vs Q4 2018$8.8MM$7.3MM
DepositsQ4 2019vs Q4 2018$19.6MM$19.0MM
Equity CapitalQ4 2019vs Q4 2018$2.2MM$1.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$14.00K$18.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$3.00K$79.00K
Real Estate OwnedQ4 2019vs Q4 2018$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

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