Overview / Commentary
700 Bear Swamp Rd
Peru, NY 12972

Peru Federal Credit Union is headquartered in Peru and is the 182nd largest credit union in the state of New York. It is also the 3,375th largest credit union in the nation. It was established in 1963 and as of June of 2018, it had grown to 8 employees and 2,521 members at 1 location. Peru Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Essex or Clinton Counties in New York.
See current membership details


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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. Peru Federal Credit Union has a low asset base.

Health Grade Components

NCUA #15516
Year Chartered1963
Primary Regulator
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD5.11%
Annual Interest Income$396.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$20.3MM$18.7MM
LoansQ2 2018vs Q2 2017$11.5MM$10.2MM
DepositsQ2 2018vs Q2 2017$17.2MM$15.8MM
Equity CapitalQ2 2018vs Q2 2017$2.9MM$2.8MM
Loan Loss AllowanceQ2 2018vs Q2 2017$173.00K$165.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$24.00K$55.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0

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Peru Federal Credit Union Locations
Branch Office700 Bear Swamp RdPeru, NY 12972-4805

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