Credit union · NCUA insured
North Towns FCU
A $49.2M credit union headquartered in Clarence, NY, with 3,034 members and 2 branches in New York. Best rates: CDs 3.75% and savings 0.05% APY.
North Towns FCU Carrot Score
83
Carrot Score
Higher than 63% of U.S. banks and credit unions
#23 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About North Towns FCU
- Headquarters
- 9145 Sheridan Dr, Clarence, NY 14031
- NCUA charter
- 9812
Branches
2 branches in New York
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New York
2 branches
- North Towns FCUMain office9145 Sheridan Dr, Clarence, NY 14031Directions
- Clarence High School9625 Main St, Clarence, NY 14031Directions
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 | 9.50% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.06% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.48% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $61 | $59 | — |
- CapitalNet worth ratio9.50%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.06%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.48%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$61Peers’ 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 North Towns FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.