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Western New York Federal Credit Union


Overview / Commentary
www.wnyfcu.com
716-771-5000
1937 Union Rd
West Seneca, NY 14224

Western New York Federal Credit Union is headquartered in West Seneca and is the 105th largest credit union in the state of New York. It is also the 2,159th largest credit union in the nation. It was established in 1964 and as of September of 2020, it had grown to 14 employees and 8,117 members at 1 location. Western New York Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Western New York Federal Credit Union is open to those who live, work, worship or attend school in Erie County, NY.
See current membership details

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Health
B+

Data as of Q3 2020

Learn why bank health matters
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. Western New York Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #16042
Year Chartered1964
Employees14
Primary Regulator
Profit Margin
Return on Assets - YTD0.72%
Return on Equity - YTD7.84%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$65.6MM$55.1MM
LoansQ3 2020vs Q3 2019$34.9MM$36.3MM
DepositsQ3 2020vs Q3 2019$59.4MM$49.4MM
Equity CapitalQ3 2020vs Q3 2019$6.0MM$5.4MM
Loan Loss AllowanceQ3 2020vs Q3 2019$242.00K$181.00K
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$62.00K$265.00K
Real Estate OwnedQ3 2020vs Q3 2019$124.00K$54.00K
Rates
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Western New York Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Regular Share (Savings) Account
0.05%$25-Smart Savers Kid's Account
0.05%$100-Holiday Club Account
0.05%--Vacation Club Account

Western New York Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$99k-36 Month Jumbo Term Share Deposit
0.45%$1k-36 Month Regular Term Share Deposit
0.45%$99k-24 Month Jumbo Term Share Deposit
0.40%$1k-24 Month Regular Term Share Deposit
0.40%$99k-18 Month Jumbo Term Share Deposit
0.35%$1k-18 Month Regular Term Share Deposit
0.35%$99k-12 Month Jumbo Term Share Deposit
0.30%$1k-12 Month Regular Term Share Deposit
0.25%$99k-6 Month Jumbo Term Share Deposit
0.20%$1k-6 Month Regular Term Share Deposit

Western New York Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$99k-24 Month Jumbo IRA
0.40%$1k-24 Month IRA
0.35%$99k-12 Month Jumbo IRA
0.30%$1k-12 Month IRA
Locations


Western New York Federal Credit Union Locations
Branch Office1937 Union RdWest Seneca, NY 14224

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