Credit union · NCUA insured
Solutions Credit Union
A $43M credit union headquartered in Elmira, NY, with 3,386 members and 1 branch in New York. Best rates: CDs 3.34% and savings 1.00% APY.
Solutions Credit Union Carrot Score
73
Carrot Score
Higher than 34% of U.S. banks and credit unions
#5 of 9 in Elmira, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Solutions Credit Union
Solutions Credit Union is a member-owned financial institution founded in 1952 that serves Elmira, Southport, Ashland, and surrounding communities.
- Headquarters
- 907 Broadway St, Elmira, NY 14904-2501
- NCUA charter
- 7846
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This may be incomplete or out of date, so check with the credit union before you apply.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, or worships in Chemung, Steuben, Schuyler, Tompkins, or Tioga counties in New York State, or Bradford and Tioga counties in Pennsylvania.
Employers and groups
- Membership is open to employees of the credit union.
Family and household
- Membership is open to any family members of current members by blood, marriage, adoption, or foster care.
- Membership is open to spouses of persons who died while members of the credit union.
Other ways
- Membership is open to organizations of eligible persons.
- Membership is open to persons retired as pensioners or annuitants from the geographic service area.
Cost to join
- Members must maintain a minimum balance of $10 in a share savings account.
Branches
1 branch in New York
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New York
1 branch
- main/only officeMain office907 Broadway St, Elmira, NY 14904Directions
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 | 12.55% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.30% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.08% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $47 | $59 | — |
- CapitalNet worth ratio12.55%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.30%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.08%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$47Peers’ 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 Solutions Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.