Western New York Federal Credit Union West Seneca, New York
Western New York Federal Credit Union is a federal credit union headquartered in West Seneca, NY, established in 1964 (NCUA charter 16042), and it is regulated and insured by the NCUA. At Q2 2026 it reported 8,770 members and total assets of $92.6M (up 5.0% from Q2 2025), the 95th largest of 267 credit unions headquartered in New York. Its net worth ratio was 11.47% at Q2 2026, in the well capitalized band.
Also written as Western New York FCU
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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
- 16042
- Headquarters
- West Seneca, NY
- Established
- 1964
- Total assets, Q2 2026
- $92.6M
- Assets vs Q2 2025
- +5.0%
- Members, Q2 2026
- 8,770
- Net worth ratio, Q2 2026
- 11.47%
- Latest call report
- Q2 2026, NCUA 5300 · Western New York Federal Credit Union call report
- Asset rank in state
- 95th of 267 in New York
- Routing number
- 222382739
- Branches
- 1
It has 493 fewer members than on June 30, 2025 (-5.3%). Its net worth ratio was up 0.90 percentage points from 10.57% on June 30, 2025. Used vehicle loans are its largest loan category, $18.8M of $47.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.33% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.47% net worth ratio is below that band's 14.31% median.
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Credit unions merged into Western New York Federal Credit Union
Frequently asked about Western New York Federal Credit Union
How big is Western New York Federal Credit Union?
At Q2 2026 it reported total assets of $92.6M and 8,770 members.
Where is Western New York Federal Credit Union headquartered?
It is headquartered in West Seneca, NY, United States.
When was Western New York Federal Credit Union founded?
It was established in 1964, per NCUA records.
Is Western New York Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 16042): 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 Western New York Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Western New York Federal Credit Union well capitalized?
Its net worth ratio was 11.47% 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 Western New York Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.33% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Western New York Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 58.67% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- West Seneca, NY 14224
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1964
- NCUA Charter #
- 16042
- RSSD ID
- 561583
- Members
- 8,770
- Potential members
- 945,699
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.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.47% | 14.31% | 28th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.92% | 0.72% | 59th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 8.01% | 4.74% | 71st above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.71% | 3.93% | 41st below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 74.37% | 79.83% | 62nd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.48% | 0.78% | 69th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.33% | 0.86% | 76th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.19% | 4.70% | 25th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 58.67% | 58.92% | 50th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$92.6M total assets against $88.1M; $81.5M total shares and deposits against $78.4M; $47.8M total loans against $51.2M.
$10.6M net worth against $9.3M.
11.47% net worth ratio against 10.57%.
58.67% loan-to-share ratio against 65.25%.
0.33% delinquency ratio against 0.44%.
0.92% return on assets against 1.40%; 8.01% return on equity against 13.22%.
3.71% net interest margin against 3.77%.
8,770 members against 9,263.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.47% | 0.92% | 0.33% | 58.67% |
| March 31, 2026 | 11.18% | 1.21% | 0.46% | 56.18% |
| December 31, 2025 | 11.35% | 1.77% | 0.70% | 62.10% |
| September 30, 2025 | 11.00% | 1.90% | 0.71% | 61.21% |
| June 30, 2025 | 10.57% | 1.40% | 0.44% | 65.25% |
| March 31, 2025 | 10.30% | 1.50% | 0.23% | 62.57% |
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.