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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 297th largest credit union in the state of New York. It is also the 5,161st largest credit union in the nation. It was established in 1953 and as of June of 2016, it had grown to 2 employees and 1,422 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-0.06%
Return on Equity - YTD-0.83%
Annual Interest Income$61.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$3.6MM$3.2MM
LoansQ2 2016vs Q2 2015$1.7MM$1.6MM
DepositsQ2 2016vs Q2 2015$3.3MM$3.0MM
Equity CapitalQ2 2016vs Q2 2015$242.00K$248.00K
Loan Loss AllowanceQ2 2016vs Q2 2015$8.00K$7.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$68.00K$43.00K
Real Estate OwnedQ2 2016vs Q2 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