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Leatherstocking Credit Union

Popular Accounts at this Credit Union

1.51%5-year CD60 Month Share Certificate
0.50%1-year CD12-23 Month Share Certificate
0.03%SavingsSavings Account

Overview / Commentary
24 Glen Ave
Cooperstown, NY 13326-1122

Leatherstocking Credit Union is headquartered in Cooperstown and is the 115th largest credit union in the state of New York. It is also the 2,296th largest credit union in the nation. It was established in 1977 and as of December of 2017, it had grown to 8 employees and 4,475 members at 1 location. Leatherstocking Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Otsego County, New York.
See current membership details

Reviews (1)

Competitive with other Banks, Friendly with Customers

Posted by: NewInTown | Nov 14, 2014

We chose to move our bank accounts to Leatherstocking Credit Union when we moved to New York State because we wanted the experience of knowing the people at our bank. We were tired of dealing with huge national banks and having to explain everything to a different person every time we called.

We were pleasantly surprised to discover that Leatherstocking offers competitive products with reasonable fees for checking, savings, and loans. We were also grateful for the friendly atmosphere in the bank. Last Saturday they had a bowl of fresh apples out for everyone to share.

The only drawback to working with this credit union so far is the web site. It works, in the sense that it's possible to figure out how to make it do what you want, but it's clunky and not very intuitive. For example, when you go to bill pay, you can't get back to the home page directly.

Overall, we are grateful to be part of the Leatherstocking Credit Union. We would recommend it to anyone in the region.

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. Leatherstocking Credit Union has a relatively low asset base.

Health Grade Components

NCUA #22625
Year Chartered1977
Primary Regulator
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD8.79%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$51.0MM$47.8MM
LoansQ4 2017vs Q4 2016$21.8MM$20.1MM
DepositsQ4 2017vs Q4 2016$46.1MM$43.3MM
Equity CapitalQ4 2017vs Q4 2016$4.9MM$4.5MM
Loan Loss AllowanceQ4 2017vs Q4 2016$82.00K$54.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$297.00K$297.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Leatherstocking Credit Union Savings Account Rates

0.10%*$25k*-Preferred Savings
OTHER TIERS: 0.03% $10k - $25k
0.03%$500-Savings Account
0.03%$500$5kIRA Shares

Leatherstocking Credit Union Money Market Rates

0.03%$2,500-Money Market

Leatherstocking Credit Union CD Rates

1.51%$1k-60 Month Share Certificate
1.25%$1k-48-59 Month Share Certificate
1.00%$1k-36-47 Month Share Certificate
0.75%$1k-24-35 Month Share Certificate
0.50%$25-12 Month Smart Start Certificate
0.50%$1k-12-23 Month Share Certificate
0.20%$1k-6-11 Month Share Certificate

Leatherstocking Credit Union IRA Rates

1.50%$1k$5k60 Month IRA Certificate
1.25%$1k$5k48 Month IRA Certificate
0.75%$1k$5k24 Month IRA Certificate
0.50%$25$5k12 Month Roth IRA Start Smart Certificate

Leatherstocking Credit Union Locations
Branch Office24 Glen AveCooperstown, NY 13326-1122