Credit union · NCUA insured
Finger Lakes Health Care Federal Credit Union
A $35M credit union headquartered in Elmira, NY, with 2,464 members and 1 branch in New York. Best rates: CDs 3.82% and savings 0.50% APY.
Finger Lakes Health Care Federal Credit Union Carrot Score
85
Carrot Score
Higher than 69% of U.S. banks and credit unions
#1 of 9 in Elmira, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Finger Lakes Health Care Federal Credit Union
Finger Lakes Health Care Federal Credit Union is based in Elmira, New York, and serves health care employees and their families in the Elmira-Watkins Glen area.
- Headquarters
- 519 Hart St, Elmira, NY 14905-1614
- NCUA charter
- 21294
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Health care employees in the Elmira-Watkins Glen area are eligible for membership.
Family and household
- Families of health care employees in the Elmira-Watkins Glen area are eligible for membership.
Branches
1 branch in New York
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New York
1 branch
- Main officeMain office519 Hart St, Elmira, NY 14905Directions
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 | 15.54% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.02% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.62% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $26 | $59 | — |
- CapitalNet worth ratio15.54%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.02%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.62%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$26Peers’ 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 Finger Lakes Health Care 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.