A
Western New York Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
10.99
Leverage
Ratio
11.00
Return On
Assets
1.61%
Total
Assets
88.50M
Capital
9.73M
Total
Deposits
78.32M
Net
Income
1.06M
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Weiss Ratings Western New York Federal Credit Union
West Seneca, NY 		Click to
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Rating A
Asset Quality Index 7.90
Capitalization Index 9.20
Liquidity Index 5.40
Profitability Index 9.40
Stability Index 5.30
Company Info Western New York Federal Credit Union
West Seneca, NY 		Click to
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NCUA Charter Number 3011
Phone Number (716) 771-5000
Website wnyfcu.com
Asset Quality Western New York Federal Credit Union
West Seneca, NY 		Click to
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1-Year Asset Growth 6.23%
5-Year Asset Growth 8.37%
5-Year Charge-Offs to Average Loans 0.24%
Charge-Offs to Average Loans 0.25%
Non-Performing Assets to Assets 0.39%
Non-Performing Loans to Capital 3.41%
Non-Performing Loans to Loans 0.71%
Balance Sheet Western New York Federal Credit Union
West Seneca, NY 		Click to
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Total Assets 88.50M
Total Deposits 78.32M
Capital and Reserves Western New York Federal Credit Union
West Seneca, NY 		Click to
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Capital 9.73M
Leverage Ratio 11.00
Loan Loss Reserves to Loans 0.54%
Liquidity Western New York Federal Credit Union
West Seneca, NY 		Click to
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Hot Money Ratio 1.44%
Liquidity Ratio 36.50%
Profitability Western New York Federal Credit Union
West Seneca, NY 		Click to
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5-Year Return on Average Assets 0.79%
Net Income 1.06M
Net Interest Spread 5.26%
Operating Profit to Average Assets 1.61%
Overhead Efficiency Ratio 66.26%
Return on Assets 1.61%
Return on Equity 15.37%