Jamestown Area Community Federal Credit Union

Overview / Commentary

716-483-1650

915 E 2nd St
Jamestown, NY 14701

Jamestown Area Community Federal Credit Union is headquartered in Jamestown and is the 101^st largest credit union in the state of New York. It is also the 2,029^th largest credit union in the nation. It was established in 1940 and as of June of 2024, it had grown to 19 employees and 6,274 members at 6 locations. Jamestown Area Community Federal Credit Union's savings rates are 94% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Jamestown Area Community Federal Credit Union is open to anyone who lives, works, worships, volunteers or attends school in the city of Jamestown, or the towns of Busti, Charlotte, Carroll, Chautauqua, Cherry Creek, Clymer, Conewango, Ellicott, Ellery, Ellington, French Creek, Gerry, Harmony, Kiantone, Leon, Mina, North Harmony, Poland, Randolph, Sherman, South Valley, or Stockton.
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Health

B+

Data as of Q2 2024

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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. Jamestown Area Community Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	3551
Year Chartered	1940
Employees	19
Primary Regulator

Profit Margin
Return on Assets - YTD	0.75%
Return on Equity - YTD	8.6%
Annual Interest Income	$1.4MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$79.9MM$78.8MM
Loans	Q2 2024vs Q2 2023	$47MM$44MM
Deposits	Q2 2024vs Q2 2023	$72.7MM$72.1MM
Equity Capital	Q2 2024vs Q2 2023	$6.9MM$6.4MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$230K$214K
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$1,000$20K
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Savings

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Jamestown Area Community Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.01%^*	$100k^*	-	Share Savings
OTHER TIERS: 0.25% → $500 - $15k \| 0.50% → $15k - $50k \| 0.75% → $50k - $100k
1.01%	$0	-	IRA Savings

Locations

Jamestown Area Community Federal Credit Union Locations
Branch Office	11 N PEARL ST	Frewsburg, NY 14738
Branch Office	525 E 2ND ST	Jamestown, NY 14701
Branch Office	71 Main St	Randolph, NY 14772
Branch Office	1 E Main St	Panama, NY 14767
Branch Office	121 Chautauqua Ave	Lakewood, NY 14750
Branch Office	915 E 2ND ST	Jamestown, NY 14701

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