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Overview / Commentary
716-827-7788
3040 S Park Ave
Lackawanna, NY 14218-2643

South Towns Community Federal Credit Union is headquartered in lackawanna and is the 200th largest credit union in the state of New York. It is also the 3,650th largest credit union in the nation. It was established in 1967 and as of December of 2017, it had grown to 3 employees and 2,512 members at 1 location. South Towns Community Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in South Buffalo, Village of Blasdell, the City of Lackawanna, Town of Hamburg, Town of Evans & Derby, Town of Orchard Park, and Village of Angola.
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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. South Towns Community Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #17891
Year Chartered1967
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD3.51%
Annual Interest Income$411.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$15.7MM$15.4MM
LoansQ4 2017vs Q4 2016$5.8MM$5.9MM
DepositsQ4 2017vs Q4 2016$14.4MM$14.2MM
Equity CapitalQ4 2017vs Q4 2016$1.2MM$1.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$25.00K$25.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$87.00K$6.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
Rates
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South Towns Community Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Share Account
0.05%--CHILDREN ACCOUNT
0.05%--Business Account
0.05%--XMAS Club Account
Locations


South Towns Community Federal Credit Union Locations
Branch Office3040 s park avelackawanna, NY 14218-2643

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