Credit union · NCUA insured
Finger Lakes Federal Credit Union
Top CarrotA $253.1M credit union headquartered in Geneva, NY, with 19,950 members and 4 branches in New York. Best rates: CDs 1.66% and savings 0.50% APY.
Finger Lakes Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 83% of U.S. banks and credit unions
#6 of 32 in Rochester, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Finger Lakes Federal Credit Union
- Headquarters
- 27 Seneca St, Geneva, NY 14456-3502
- NCUA charter
- 18022
Branches
4 branches in New York
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New York
4 branches
- Main Office 27 SenecaMain office27 Seneca St, Geneva, NY 14456Directions
- Fairport Office70 S Main St, Fairport, NY 14450Directions
- Phelps Branch1934 State Route 96, Phelps, NY 14532Directions
- Webster Office815 Ridge Rd, Webster, NY 14580Directions
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 | 15.05% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.10% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.80% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $72 | $76 | — |
- CapitalNet worth ratio15.05%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.10%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.80%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$72Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Finger Lakes 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.