Griffith Institute Employees Federal Credit Union Springville, New York
Griffith Institute Employees Federal Credit Union is a federal credit union headquartered in Springville, NY, established in 1961 (NCUA charter 14505), and it is regulated and insured by the NCUA. At Q2 2026 it reported 590 members and total assets of $6.5M (up 6.5% from Q2 2025), the 222nd largest of 267 credit unions headquartered in New York. Its net worth ratio was 8.96% at Q2 2026, in the well capitalized band.
Also written as Griffith Institute Employees FCU
BankRegReports is independent of Griffith Institute Employees Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 14505
- Headquarters
- Springville, NY
- Established
- 1961
- Total assets, Q2 2026
- $6.5M
- Assets vs Q2 2025
- +6.5%
- Members, Q2 2026
- 590
- Net worth ratio, Q2 2026
- 8.96%
- Latest call report
- Q2 2026, NCUA 5300 · Griffith Institute Employees Federal Credit Union call report
- Asset rank in state
- 222nd of 267 in New York
- Routing number
- 222382454
- Branches
- 1
It has 10 fewer members than on June 30, 2025 (-1.7%). Its net worth ratio was down 0.19 percentage points from 9.15% on June 30, 2025. Used vehicle loans are its largest loan category, $959K of $2.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.56% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 8.96% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about Griffith Institute Employees Federal Credit Union
How big is Griffith Institute Employees Federal Credit Union?
At Q2 2026 it reported total assets of $6.5M and 590 members.
Where is Griffith Institute Employees Federal Credit Union headquartered?
It is headquartered in Springville, NY, United States.
When was Griffith Institute Employees Federal Credit Union founded?
It was established in 1961, per NCUA records.
Is Griffith Institute Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 14505): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Griffith Institute Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Griffith Institute Employees Federal Credit Union well capitalized?
Its net worth ratio was 8.96% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Griffith Institute Employees Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.56% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Griffith Institute Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 45.08% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Springville, NY 14141
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1961
- NCUA Charter #
- 14505
- RSSD ID
- 994387
- Members
- 590
- Potential members
- 680
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 8.96% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.57% | 0.72% | 43rd below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 6.34% | 4.74% | 60th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 1.75% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 68.03% | 79.83% | 75th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.41% | 0.78% | 20th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.56% | 0.86% | 65th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.16% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 45.08% | 58.92% | 29th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$6.5M total assets against $6.1M; $6.0M total shares and deposits against $5.6M; $2.7M total loans against $2.7M.
$587K net worth against $563K.
8.96% net worth ratio against 9.15%.
45.08% loan-to-share ratio against 47.77%.
0.56% delinquency ratio against 1.95%.
0.57% return on assets against -0.21%; 6.34% return on equity against -2.26%.
1.75% net interest margin against 1.58%.
590 members against 600.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.96% | 0.57% | 0.56% | 45.08% |
| March 31, 2026 | 9.57% | 0.23% | 0.66% | 44.53% |
| December 31, 2025 | 9.47% | 0.66% | 0.67% | 47.89% |
| September 30, 2025 | 9.32% | 0.34% | 1.11% | 51.98% |
| June 30, 2025 | 9.15% | -0.21% | 1.95% | 47.77% |
| March 31, 2025 | 9.21% | 0.05% | 1.53% | 49.42% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.