INNER LAKES
Federal • WESTFIELD, New York • Est. 1952
Quick Facts
- Charter Number
- #7717
- Type
- Federal
- Established
- 1952
- Headquarters
- WESTFIELD, New York 14787-1319
- Address
- 19-21 E MAIN ST
- Branches
- 6
- ATMs
- 3
- Members
- 10,474
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
10,474 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | INNER LAKES |
|---|---|
| Total Assets | $159.3M |
| Members | 10,474 |
| Loans Outstanding | $53.7M |
| Shares & Deposits | $149.4M |
| Net Worth | $15.6M |
| Net Worth Ratio | 9.78% |
| Loan-to-Share Ratio | 36.0% |
| Delinquency Rate | 0.44% |
| Net Income | +$1,568,710 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 3 ATMs
19-21 East Main Street
Main Office19-21 E Main St
Westfield, NY 14787-1319
3795 Lakeview Rd.
3795 Lakeview Rd
Fredonia, NY 14063-1972
Dunkirk Office
338 Central Ave
Dunkirk, NY 14048
21 Main Street
21 Main St
Bemus Point, NY 14712-9303
Silver Creek
232 Central Ave
Silver Creek, NY 14136-1222
Who Can Join INNER LAKES?
Membership Type: Other/Unknown
Membership eligibility for INNER LAKES may vary. Contact the credit union directly to confirm qualification requirements.
Contact INNER 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. INNER 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, INNER LAKES has 10,474 members and a potential membership field of 124,000 people.
INNER LAKES's net worth ratio is 9.78% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.8%, INNER LAKES meets this threshold.
INNER LAKES operates 6 branch locations and has access to 3 ATMs. The main office is located at 19-21 E Main St, Westfield, NY 14787-1319.
INNER LAKES was established in 1952. It is a federal credit union chartered under charter number 7717. The institution has been serving members for 74 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or INNER LAKES. All financial data is for informational purposes only.