FINGER LAKES
Federal • GENEVA, New York • Est. 1967
Quick Facts
- Charter Number
- #18022
- Type
- Federal
- Established
- 1967
- Headquarters
- GENEVA, New York 14456
- Address
- PO BOX 433
- Branches
- 4
- ATMs
- 4
- Members
- 20,067
- 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
20,067 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FINGER LAKES |
|---|---|
| Total Assets | $247.9M |
| Members | 20,067 |
| Loans Outstanding | $157.8M |
| Shares & Deposits | $210.1M |
| Net Worth | $35.7M |
| Net Worth Ratio | 14.45% |
| Loan-to-Share Ratio | 75.1% |
| Delinquency Rate | 0.11% |
| Net Income | +$5,092,691 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 4 ATMs
Main Office 27 Seneca
Main Office27 Seneca St
Geneva, NY 14456-3502
Phelps Branch
1934 State Route 96
Phelps, NY 14532-9705
Fairport Office
70 S Main St
Fairport, NY 14450-2136
Webster Office
815 Ridge Rd
Webster, NY 14580-2410
Who Can Join FINGER LAKES?
Membership Type: Community
Membership eligibility for FINGER LAKES may vary. Contact the credit union directly to confirm qualification requirements.
Contact FINGER LAKES 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. FINGER LAKES 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, FINGER LAKES has 20,067 members and a potential membership field of 320,489 people.
FINGER LAKES's net worth ratio is 14.45% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.4%, FINGER LAKES meets this threshold.
FINGER LAKES operates 4 branch locations and has access to 4 ATMs. The main office is located at 27 Seneca St, Geneva, NY 14456-3502.
FINGER LAKES was established in 1967. It is a federal credit union chartered under charter number 18022. The institution has been serving members for 59 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FINGER LAKES. All financial data is for informational purposes only.