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Overview / Commentary
518-643-9915
700 Bear Swamp Rd
Peru, NY 12972

Peru Central School Federal Credit Union is headquartered in Peru and is the 192nd largest credit union in the state of New York. It is also the 3,619th largest credit union in the nation. It was established in 1963 and as of September of 2016, it had grown to 6 employees and 2,357 members at 1 location. Peru Central School 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.
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Health
B+
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 Central School Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #15516
Year Chartered1963
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD2.56%
Annual Interest Income$541.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$17.3MM$16.6MM
LoansQ3 2016vs Q3 2015$9.9MM$8.3MM
DepositsQ3 2016vs Q3 2015$14.5MM$13.9MM
Equity CapitalQ3 2016vs Q3 2015$2.8MM$2.7MM
Loan Loss AllowanceQ3 2016vs Q3 2015$160.00K$144.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$134.00K$43.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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Peru Central School Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--Regular Share
0.15%--Sub Savings Share

Peru Central School Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--12 Month Lucky Savers CD
0.40%--12 Month Share Certificate
0.20%--6 Month Share Certificate
Locations


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