Headquartered in Gowanda, New York, Gowanda Area Federal Credit Union is a federal credit union with $33.5M in total assets and $28.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1935.
Gowanda Area Federal Credit Union has a TellerScore of 99 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 3rd. Its five components are fairly even, ranging from 96 to 100 out of 100.
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (100 → 99).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 94 |
| Q3 2024 | 95 |
| Q4 2024 | 97 |
| Q1 2025 | 98 |
| Q2 2025 | 100 |
| Q3 2025 | 100 |
| Q4 2025 | 100 |
| Q1 2026 | 98 |
| Q2 2026 | 99 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.99% |
| Q3 2024 | 13.39% |
| Q4 2024 | 13.85% |
| Q1 2025 | 14.25% |
| Q2 2025 | 14.93% |
| Q3 2025 | 15.85% |
| Q4 2025 | 16.22% |
| Q1 2026 | 16.19% |
| Q2 2026 | 16.06% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.78% |
| Q3 2024 | 2.72% |
| Q4 2024 | 2.72% |
| Q1 2025 | 2.42% |
| Q2 2025 | 2.48% |
| Q3 2025 | 2.68% |
| Q4 2025 | 2.52% |
| Q1 2026 | 1.74% |
| Q2 2026 | 1.91% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 99 | $33.5M | 16.06% | 0.00% | 1.91% | 45.0% |
| Q1 2026 | 98 | $32.1M | 16.19% | 0.00% | 1.74% | 45.2% |
| Q4 2025 | 100 | $31.2M | 16.22% | 0.00% | 2.52% | 48.4% |
| Q3 2025 | 100 | $30.9M | 15.85% | 0.00% | 2.68% | 51.3% |
| Q2 2025 | 100 | $31.4M | 14.93% | 0.00% | 2.48% | 50.8% |
| Q1 2025 | 98 | $31.5M | 14.25% | 0.00% | 2.42% | 50.6% |
| Q4 2024 | 97 | $30.9M | 13.85% | 0.00% | 2.72% | 53.4% |
| Q3 2024 | 95 | $30.3M | 13.39% | 0.01% | 2.72% | 55.3% |
| Q2 2024 | 94 | $29.5M | 12.99% | 0.01% | 2.78% | 56.8% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Rome Federal Credit UnionCredit union Rome, NY | 58 out of 100, Moderate | $33.5M | 10.7% | 1.91% | vs |
| Academic Federal Credit UnionCredit union Briarcliff Mano, NY | 71 out of 100, Strong | $33.7M | 11.4% | 1.34% | vs |
| Medisys Employees Federal Credit UnionCredit union Jamaica, NY | 69 out of 100, Moderate | $33.3M | 9.5% | 0.70% | vs |
| O and R Utilities Employees Federal Credit UnionCredit union Monroe, NY | 64 out of 100, Moderate | $34.7M | 11.9% | 0.94% | vs |
| Ed-Med Federal Credit UnionCredit union Ogdensburg, NY | 76 out of 100, Strong | $34.7M | 12.5% | 1.08% | vs |
| Chen-Del-O Federal Credit UnionCredit union Franklin, NY | 85 out of 100, Very strong | $34.9M | 12.9% | 0.48% | vs |
Deposit insurance
Is my money safe at Gowanda Area Federal Credit Union?
Yes. Gowanda Area Federal Credit Union is a federally insured credit union (NCUA charter #818). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 16.06%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Gowanda Area Federal Credit Union lists 1 office in 1 city. Most locations:
- Gowanda, NY (1)
Identity & history
Profile
- Legal name
- Gowanda Area Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 818
- RSSD ID
- 851471
- Primary regulator
- NCUA
- Established
- 1935
- Headquarters
- PO Box 29, Gowanda, NY 14070
- Employees
- 3
Quick answers
Gowanda Area Federal Credit Union: common questions
Is Gowanda Area Federal Credit Union NCUA insured?
Yes. Gowanda Area Federal Credit Union is a federally insured credit union (NCUA charter #818). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Gowanda Area Federal Credit Union's TellerScore?
99 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Gowanda Area Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Gowanda
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY | 96 out of 100, Very strong | $168.4M | 23.9% | 0.12% | vs |
| Meridia Community Federal Credit UnionCredit union Hamburg, NY | 94 out of 100, Very strong | $144.1M | 16.4% | 0.27% | vs |
| High Point Federal Credit UnionCredit union Olean, NY | 87 out of 100, Very strong | $430.1M | 14.3% | 0.67% | vs |
| Lake Shore BankBank Dunkirk, NY | 86 out of 100, Very strong | $735.9M | 17.4% | 0.25% | vs |
| Jamestown Area Community Federal Credit UnionCredit union Jamestown, NY | 84 out of 100, Strong | $85.5M | 11.0% | 0.02% | vs |
| Southern Chautauqua Federal Credit UnionCredit union Lakewood, NY | 78 out of 100, Strong | $163.1M | 17.6% | 1.61% | vs |