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CIRCUIT

Cheektowaga, NY · Federal Credit Union · Chartered in NY

Well Capitalized

Who can join

Employer / occupational group

Charter #12912Est. 1959RSSD: 27780

Members

1,043

Net Worth Ratio

13.15%

min. 7% = Well Capitalized

Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.

At a Glance

Total Assets

$11.6M

Peer Group 3

Members

1,043

as of latest quarter

Net Worth Ratio

13.15%

Well Capitalized

Institution Profile

NCUA

Address

3234 Union Road, Cheektowaga, NY 14227

Chartered

1959

Branch Locations

2 locations

Membership Eligibility

Employer / occupational group

Financial Snapshot

As of Q1 2026NCUA 5300 Call Report

Total Assets

$11.6M

Total Shares

$10.1M

Total Loans

$7.6M

Net Worth Ratio

13.15%

≥7% = Well Capitalized

Members

1,043

Delinquency Rate (60d+)

0.57%

$43K

Loan-to-share ratio: 75.7%· healthy range 60–80%

Branch Locations

NCUA

MAIN OFFICE

3234 Union Rd, CHEEKTOWAGA, NY, 14227-1044

MON & TUES 9:30 - 5:00 WED 9:30 - 4:00 THURS 9:30 - 5:00 FRI 9:30 - 6:00

Main

HAMBURG LOCATION

140 Pine St Ste 3A, Hamburg, NY, 14075

MON.-WED. 9:30-4:30 THURS.-FRI 9:30-5:00

Mortgage Lending (HMDA)

CFPB HMDA

No HMDA mortgage lending data on record for this credit union.

Consumer Complaints

CFPB / NCUA

No CFPB complaint data available for this credit union.

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Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.