GOWANDA AREA
Federal • Gowanda, New York • Est. 1935
Quick Facts
- Charter Number
- #818
- Type
- Federal
- Established
- 1935
- Headquarters
- Gowanda, New York 14070
- Address
- PO Box 29
- Branches
- 1
- Members
- 1,867
- 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
1,867 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | GOWANDA AREA |
|---|---|
| Total Assets | $31.2M |
| Members | 1,867 |
| Loans Outstanding | $12.6M |
| Shares & Deposits | $26.1M |
| Net Worth | $5.1M |
| Net Worth Ratio | 16.22% |
| Loan-to-Share Ratio | 48.4% |
| Delinquency Rate | 0.00% |
| Net Income | +$785,565 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
Gowanda Area FCU
Main Office14266 Taylor Hollow Rd
Gowanda, NY 14070-9703
Who Can Join GOWANDA AREA?
Membership Type: Community
Membership eligibility for GOWANDA AREA may vary. Contact the credit union directly to confirm qualification requirements.
Contact GOWANDA AREA 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. GOWANDA AREA 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, GOWANDA AREA has 1,867 members and a potential membership field of 8,073 people.
GOWANDA AREA's net worth ratio is 16.22% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 16.2%, GOWANDA AREA meets this threshold.
GOWANDA AREA operates 1 branch location. The main office is located at 14266 Taylor Hollow Rd, Gowanda, NY 14070-9703.
GOWANDA AREA was established in 1935. It is a federal credit union chartered under charter number 818. 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 GOWANDA AREA. All financial data is for informational purposes only.