Credit union · NCUA insured
Morton Lane Federal Credit Union
A $63.8M credit union headquartered in Buffalo, NY, with 3,068 members and 3 branches in New York. Best rates: savings 0.15% APY.
Morton Lane Federal Credit Union Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#33 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Morton Lane Federal Credit Union
Headquartered in Buffalo, New York, Morton Lane Federal Credit Union is a not-for-profit financial institution owned by its members.
The credit union operates four locations across Western New York.
- Headquarters
- 388 Englewood Ave, Buffalo, NY 14223-2812
- NCUA charter
- 15021
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the Morton Lane Charitable Foundation are eligible to join.
- Employees of Hauptman-Woodward Medical Institute are eligible to join.
- Employees of Research Institute on Alcoholism are eligible to join.
- Employees of Roswell Park Alliance Foundation are eligible to join.
- Employees of Roswell Park Day Care are eligible to join.
- Employees of Roswell Park Cancer Institute are eligible to join.
11 more ways to join
Employers and groups
- Members of Temple Beth Tzedek are eligible to join.
Military, government and schools
- Members of the Alumni Association at UB or Buffalo State are eligible to join.
- Employees of Buffalo State Child Care Center are eligible to join.
- Employees of Buffalo State College Foundation are eligible to join.
- Employees of Buffalo State are eligible to join.
- Graduate students of UB or Buffalo State College are eligible to join.
- Faculty, staff, and students of St. Joseph Collegiate Institute are eligible to join.
- Employees of University at Buffalo are eligible to join.
- Undergraduate students of UB or Buffalo State are eligible to join.
Family and household
- Immediate family members of eligible individuals are eligible to join.
Other ways
- Retirees of any of the eligible employers are eligible to join.
Branches
3 branches in New York
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New York
3 branches
- Buffalo State College1300 Elmwood Ave, GC103, Grover Cleveland Hall -Gc103, Buffalo, NY 14222Directions
- Morton Lane Fcu388 Englewood Ave, Buffalo, NY 14223Directions
- Roswell ParkElm and Carlton St, Parking Ramp - Street Level, Buffalo, NY 14263Directions
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 | 12.80% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.89% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.35% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $54 | $59 | — |
- CapitalNet worth ratio12.80%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.89%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.35%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 Morton Lane 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.