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
- 11,069
- Membership Type
- Other/Unknown
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 8% and a delinquency rate below 1.5%. 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
11,069 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | INNER LAKES |
|---|---|
| Total Assets | $162.1M |
| Members | 11,069 |
| Loans Outstanding | $54.0M |
| Shares & Deposits | $152.3M |
| Net Worth | $15.9M |
| Net Worth Ratio | 9.82% |
| Loan-to-Share Ratio | 35.4% |
| Delinquency Rate | 0.57% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
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
INNER 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, INNER LAKES has 11,069 members and a potential membership field of 12,400 people.
INNER LAKES's reported net worth ratio is 9.82% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or INNER LAKES. All financial data is for informational purposes only.