Sep, 30, 2025 — WESTERN NEW YORK FEDERAL CREDIT UNION is a federal credit union headquartered in WEST SENECA, NY with 1 branch location and about $88.50 million in total assets. Opened 62 years ago in 1964, WESTERN NEW YORK FEDERAL CREDIT UNION has about 9,134 members and employs 16 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | WESTERN NEW YORK FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1937 Union Rd WEST SENECA, NY 14224 |
| Phone: | (716) 771-5000 |
| Fax: | (716) 675-9644 |
| Website: | https://www.wnyfcu.com |
| Branches: | 1 branch locations |
| Members: | 9,134 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 16042 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1964 |
| Last Audited: | Sep 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $88,497,641 |
| CEO/Manager: | Marie T Betti |
| Chairperson: | Michael Henry |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 18,936,401 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 14,807,878 |
| Unsecured Loans | 7,143,843 |
| Other Loans | 25,983,296 |
| TOTAL LOANS | 47,935,018 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -260,638 |
| Land And Building | 3,410,346 |
| Other Fixed Assets | 199,992 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 742,098 |
| All Other Assets | 0 |
| TOTAL ASSETS | 88,497,641 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 454,305 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 16,540,630 |
| Regular shares | 53,610,727 |
| All Other Shares & Deposits | 8,164,734 |
| TOTAL SHARES & DEPOSITS | 78,316,091 |
| TOTAL LIABILITIES | 78,770,396 |
| Regular Reserve | 0 |
| Other Reserves | 342,071 |
| Undivided Earnings | 9,385,174 |
| TOTAL EQUITY | 9,727,245 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 88,497,641 |
| INCOME & EXPENSE | |
| Loan Income | 2,096,864 |
| Investment Income | 701,186 |
| Other Income | 383,641 |
| Total Employee Compensation & Benefits | 1,107,183 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,139,575 |
| Non-operating Income & (Expense) | -2,315 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 87,010 |
| Cost of Funds | 271,288 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,057,135 |
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