Credit union · NCUA insured
Ontario Shores FCU
Top CarrotA $201.9M credit union headquartered in Newfane, NY, with 11,833 members and 5 branches in New York. Best rates: CDs 4.25% and savings 1.51% APY.
Ontario Shores FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#1 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Ontario Shores FCU
Founded in 1961 by teachers and employees of the Newfane Central School District, Ontario Shores Federal Credit Union serves members across seven Western New York counties.
The member-owned cooperative is headquartered in Newfane, New York, with additional branch offices in Medina, Pendleton, and Lewiston Porter.
- Headquarters
- 2890 Transit Rd, Newfane, NY 14108-9740
- NCUA charter
- 14462
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible to join if you live, work, worship, volunteer, or attend school in Niagara, Orleans, Genesee, Wyoming, Cattaraugus, Allegany, or Steuben counties in Western New York.
Branches
5 branches in New York
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New York
5 branches
Buffalo area · 4
- Ontario Shores FCU NewfaneMain office2890 Transit Rd, Newfane, NY 14108Directions
- Ontario Shores FCU Pendleton6411 Campbell Blvd, Lockport, NY 14094Directions
- Newfane High School Branch1 Panther Dr, Newfane, NY 14108Directions
- Ontario Shores FCU Lewiston4061 Creek Rd, Youngstown, NY 14174Directions
Rochester area · 1
- Ontario Shores FCU Medina4200 Salt Works Rd, Medina, NY 14103Directions
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 | 10.65% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.16% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.02% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $50 | $76 | — |
- CapitalNet worth ratio10.65%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.16%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.02%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$50Peers’ 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 Ontario Shores FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.