NORTH TOWNS
Federal • Clarence, New York • Est. 1954
Quick Facts
- Charter Number
- #9812
- Type
- Federal
- Established
- 1954
- Headquarters
- Clarence, New York 14031
- Address
- PO Box 657
- Branches
- 2
- Members
- 3,015
- 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
3,015 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NORTH TOWNS |
|---|---|
| Total Assets | $48.4M |
| Members | 3,015 |
| Loans Outstanding | $28.7M |
| Shares & Deposits | $43.8M |
| Net Worth | $4.5M |
| Net Worth Ratio | 9.39% |
| Loan-to-Share Ratio | 65.5% |
| Delinquency Rate | 0.95% |
| Net Income | +$662,214 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations
North Towns FCU
Main Office9145 Sheridan Dr
Clarence, NY 14031
Clarence High School
9625 Main St
Clarence, NY 14031
Who Can Join NORTH TOWNS?
Membership Type: Other/Unknown
Membership eligibility for NORTH TOWNS may vary. Contact the credit union directly to confirm qualification requirements.
Contact NORTH TOWNS 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. NORTH TOWNS 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, NORTH TOWNS has 3,015 members and a potential membership field of 26,000 people.
NORTH TOWNS's net worth ratio is 9.39% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.4%, NORTH TOWNS meets this threshold.
NORTH TOWNS operates 2 branch locations. The main office is located at 9145 Sheridan Dr, Clarence, NY 14031.
NORTH TOWNS was established in 1954. It is a federal credit union chartered under charter number 9812. The institution has been serving members for 72 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or NORTH TOWNS. All financial data is for informational purposes only.