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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 201st largest credit union in the state of New York. It is also the 3,746th largest credit union in the nation. It was established in 1967 and as of September of 2016, it had grown to 5 employees and 2,660 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
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD0.26%
Return on Equity - YTD3.4%
Annual Interest Income$287.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$15.6MM$14.9MM
LoansQ3 2016vs Q3 2015$6.0MM$5.8MM
DepositsQ3 2016vs Q3 2015$14.4MM$13.8MM
Equity CapitalQ3 2016vs Q3 2015$1.2MM$1.1MM
Loan Loss AllowanceQ3 2016vs Q3 2015$24.00K$25.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$90.00K$29.00K
Real Estate OwnedQ3 2016vs Q3 2015$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