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Overview / Commentary
21 N Portage St
Westfield, NY 14787

Westfield Area Federal Credit Union is headquartered in Westfield and is the 292nd largest credit union in the state of New York. It is also the 5,102nd largest credit union in the nation. It was established in 1953 and as of December of 2016, it had grown to 2 employees and 1,396 members at 1 location. Westfield Area Federal Credit Union has a C health rating.

Field of Membership Restrictions

Membership in Westfield Area Federal Credit Union is open to those who live, work, attend school or worship in the townships of Westfield, Portland, Mina, Ripley, Clymer, French Creek, Sherman, Chautauqua, and Stockton.
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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. Westfield Area Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #8529
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD-0.42%
Return on Equity - YTD-6.55%
Annual Interest Income$123.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$3.5MM$3.4MM
LoansQ4 2016vs Q4 2015$1.6MM$1.7MM
DepositsQ4 2016vs Q4 2015$3.3MM$3.1MM
Equity CapitalQ4 2016vs Q4 2015$229.00K$244.00K
Loan Loss AllowanceQ4 2016vs Q4 2015$8.00K$9.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$45.00K$74.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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Westfield Area Federal Credit Union Savings Account Rates

0.10%*$50k*-Premium Shares
OTHER TIERS: 0.05% $2,500 - $10k | 0.08% $10k - $50k
0.10%--Christmas Club
0.05%--Regular Shares

Westfield Area Federal Credit Union Locations
Branch Office21 N Portage StWestfield, NY 14787-1020