AMHERST
Federal • AMHERST, New York • Est. 1947
Quick Facts
- Charter Number
- #5439
- Type
- Federal
- Established
- 1947
- Headquarters
- AMHERST, New York 14221
- Address
- 6470 MAIN STREET, SUITE 5
- Branches
- 1
- Members
- 3,860
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
3,860 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | AMHERST |
|---|---|
| Total Assets | $41.3M |
| Members | 3,860 |
| Loans Outstanding | $20.6M |
| Shares & Deposits | $37.0M |
| Net Worth | $4.2M |
| Net Worth Ratio | 10.25% |
| Loan-to-Share Ratio | 55.8% |
| Delinquency Rate | 0.04% |
| Net Income | +$441,335 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
Amherst FCU
Main Office6470 Main St
Williamsville, NY 14221-5851
Who Can Join AMHERST?
Membership Type: Other/Unknown
Membership eligibility for AMHERST may vary. Contact the credit union directly to confirm qualification requirements.
Contact AMHERST directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New York RankingsFrequently Asked Questions
Yes. AMHERST is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, AMHERST has 3,860 members and a potential membership field of 272,201 people.
AMHERST's net worth ratio is 10.25% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.3%, AMHERST meets this threshold.
AMHERST operates 1 branch location. The main office is located at 6470 Main St, Williamsville, NY 14221-5851.
AMHERST was established in 1947. It is a federal credit union chartered under charter number 5439. The institution has been serving members for 79 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or AMHERST. All financial data is for informational purposes only.