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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 181st largest credit union in the state of New York. It is also the 3,409th largest credit union in the nation. It was established in 1935 and as of December of 2017, it had grown to 4 employees and 2,142 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 - YTD0.51%
Return on Equity - YTD5.8%
Annual Interest Income$378.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$19.6MM$18.1MM
LoansQ4 2017vs Q4 2016$6.4MM$5.7MM
DepositsQ4 2017vs Q4 2016$17.8MM$16.5MM
Equity CapitalQ4 2017vs Q4 2016$1.7MM$1.6MM
Loan Loss AllowanceQ4 2017vs Q4 2016$9.00K$6.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$4.00K$6.00K
Real Estate OwnedQ4 2017vs Q4 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