Lower East Side People's Federal Credit Union


Overview / Commentary
212-529-8197
37 AVENUE B
New York, NY 10009-7441

Lower East Side People's Federal Credit Union is headquartered in NEW YORK and is the 97th largest credit union in the state of New York. It is also the 1,934th largest credit union in the nation. It was established in 1986 and as of March of 2025, it had grown to 27 employees and 9,193 members at 3 locations. Lower East Side People's Federal Credit Union's money market rates are 14% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Lower East Side People's Federal Credit Union is open to residents of New York City, who earn less than $48,500 annually and to those who live, work, worship, volunteer or attend school in select areas of the Lower East Side of Manhattan, Central Harlem, and East Harlem.
See current membership details

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Health
C+
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. Lower East Side People's Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #24232
Year Chartered1986
Employees27
Primary Regulator
Profit Margin
Return on Assets - YTD4.5%
Return on Equity - YTD37.41%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$89.8MM$88MM
LoansQ1 2025vs Q1 2024$55.4MM$56.5MM
DepositsQ1 2025vs Q1 2024$67MM$65.6MM
Equity CapitalQ1 2025vs Q1 2024$10.8MM$9.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$957K$369K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$5.3MM$4.3MM
Real Estate OwnedQ1 2025vs Q1 2024$404K$452K
Rates
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Lower East Side People's Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$15-Holiday Account

Lower East Side People's Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$1k-Money Market

Lower East Side People's Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$0-36 Month CD
1.00%$0-24 Month CD
0.75%$0-12 Month CD
0.50%$0-6 Month CD
Locations


Lower East Side People's Federal Credit Union Locations
Branch Office37 AVENUE BNEW YORK, NY 10009
Branch Office2 St Pauls AveStaten Island, NY 10301-3212
Branch Office2285 2nd AveNew York, NY 10035

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