Credit union · NCUA insured
CCSE Federal Credit Union
Top CarrotA $62.2M credit union headquartered in Salamanca, NY, with 5,832 members and 1 branch in New York. Best rates: CDs 3.30% and savings 1.76% APY.
CCSE Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 83% of U.S. banks and credit unions
#1 of 8 in Olean, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About CCSE Federal Credit Union
Founded by local teachers in 1977, CCSE Federal Credit Union was initially established as a teacher's credit union.
Headquartered in Salamanca, New York, the credit union serves all of Cattaraugus County.
CCSE Federal Credit Union is a member-owned financial institution run by a volunteer board of directors elected by its membership.
- Headquarters
- 417 Broad St, Salamanca, NY 14779
- NCUA charter
- 22754
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works in Cattaraugus County is eligible for membership.
Branches
1 branch in New York
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New York
1 branch
- CCSE Federal Credit UnionMain office417 Broad St, Salamanca, NY 14779Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.94% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.37% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.15% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $54 | $59 | — |
- CapitalNet worth ratio10.94%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.37%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.15%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$54Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of CCSE Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.