Credit union · NCUA insured
Radius FCU
A $87.9M credit union headquartered in Kenmore, NY, with 7,550 members and 2 branches in New York. Best rates: CDs 3.25% and savings 0.80% APY.
Radius FCU Carrot Score
73
Carrot Score
Higher than 33% of U.S. banks and credit unions
#36 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Radius FCU
Organized in 1941 and chartered in 1942 as Riverside Federal Credit, Radius Federal Credit Union is a member-owned cooperative financial institution.
The credit union was granted a community charter for Erie County in 2017 and rebranded to Radius in 2021.
- Headquarters
- 2853 Delaware Ave, Kenmore, NY 14217-2719
- NCUA charter
- 24715
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, worships, or goes to school in Erie County, New York.
Cost to join
- Joining requires a $25 opening deposit in a Radius savings account.
Branches
2 branches in New York
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New York
2 branches
- Delaware AvenueMain office2853 Delaware Ave, Kenmore, NY 14217Directions
- Angola8766 Erie Rd, Angola, NY 14006Directions
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 | 15.84% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.50% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.14% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $67 | $59 | — |
- CapitalNet worth ratio15.84%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.50%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.14%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$67Peers’ 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 Radius FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.