Credit union · NCUA insured
Inner Lakes Federal Credit Union
Top CarrotA $162.1M credit union headquartered in Westfield, NY, with 11,069 members and 3 branches in New York. Best rates: CDs 3.87% and savings 1.51% APY.
Inner Lakes Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#2 of 14 in Jamestown, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Inner Lakes Federal Credit Union
- Headquarters
- 19-21 E Main St, Westfield, NY 14787-1319
- NCUA charter
- 7717
Branches
3 branches in New York
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New York
3 branches
- 19-21 East Main StreetMain office19-21 E Main St, Westfield, NY 14787Directions
- Dunkirk Office338 Central Ave, Dunkirk, NY 14048Directions
- 3795 Lakeview Rd.3795 Lakeview Rd, Fredonia, NY 14063Directions
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 | 9.84% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.57% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.91% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $34 | $76 | — |
- CapitalNet worth ratio9.84%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.57%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.91%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$34Peers’ 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 Inner 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.