Credit union · NCUA insured
Sweet Home Federal Credit Union
Top CarrotA $44.7M credit union headquartered in Amherst, NY, with 2,859 members and 1 branch in New York.
Sweet Home Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#20 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sweet Home Federal Credit Union
Founded in 1957 by Sweet Home employees to help each other save and borrow, Sweet Home Federal Credit Union is headquartered in Amherst, New York.
The member-owned financial cooperative serves more than 3,000 neighbors across Amherst and Tonawanda.
- Headquarters
- 1960 Sweet Home Rd, Amherst, NY 14228-3346
- NCUA charter
- 11470
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, go to school, or volunteer in Amherst or Tonawanda are eligible for membership.
Family and household
- Family members of eligible individuals are eligible for membership.
Cost to join
- Membership requires an initial deposit of at least $5 to open an account.
Branches
1 branch in New York
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New York
1 branch
- Corporate OfficeMain office1960 Sweet Home Rd, Amherst, NY 14228Directions
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 | 13.29% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.44% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.62% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $54 | $59 | — |
- CapitalNet worth ratio13.29%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.44%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.62%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 Sweet Home 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.