FINGER LAKES
Federal • Geneva, New York • Est. 1967
Quick Facts
- Charter Number
- #18022
- Type
- Federal
- Established
- 1967
- Headquarters
- Geneva, New York 14456-3502
- Address
- 27 Seneca St
- Branches
- 4
- ATMs
- 4
- Members
- 19,950
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
19,950 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FINGER LAKES |
|---|---|
| Total Assets | $253.1M |
| Members | 19,950 |
| Loans Outstanding | $156.2M |
| Shares & Deposits | $213.7M |
| Net Worth | $36.8M |
| Net Worth Ratio | 14.76% |
| Loan-to-Share Ratio | 73.1% |
| Delinquency Rate | 0.12% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in New York
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New York RankingsFrequently Asked Questions
FINGER LAKES is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, FINGER LAKES has 19,950 members and a potential membership field of 320,661 people.
FINGER LAKES's reported net worth ratio is 14.76% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or FINGER LAKES. All financial data is for informational purposes only.