BUFFALO CONRAIL
Federal • Cheektowaga, New York • Est. 1935
Quick Facts
- Charter Number
- #845
- Type
- Federal
- Established
- 1935
- Headquarters
- Cheektowaga, New York 14206
- Address
- 1481 Harlem Rd
- Branches
- 1
- Members
- 2,551
- Membership Type
- Community
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
2,551 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | BUFFALO CONRAIL |
|---|---|
| Total Assets | $57.4M |
| Members | 2,551 |
| Loans Outstanding | $44.8M |
| Shares & Deposits | $44.0M |
| Net Worth | $13.1M |
| Net Worth Ratio | 22.75% |
| Loan-to-Share Ratio | 101.7% |
| Delinquency Rate | 0.22% |
| Net Income | +$988,693 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
Buffalo Conrail FCU
Main Office1481 Harlem Rd
Cheektowaga, NY 14206
Who Can Join BUFFALO CONRAIL?
Membership Type: Community
Membership eligibility for BUFFALO CONRAIL may vary. Contact the credit union directly to confirm qualification requirements.
Contact BUFFALO CONRAIL 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. BUFFALO CONRAIL 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, BUFFALO CONRAIL has 2,551 members and a potential membership field of 3,200 people.
BUFFALO CONRAIL's net worth ratio is 22.75% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 22.8%, BUFFALO CONRAIL meets this threshold.
BUFFALO CONRAIL operates 1 branch location. The main office is located at 1481 Harlem Rd, Cheektowaga, NY 14206.
BUFFALO CONRAIL was established in 1935. It is a federal credit union chartered under charter number 845. The institution has been serving members for 91 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or BUFFALO CONRAIL. All financial data is for informational purposes only.