Charter 18022 · Geneva, NY
Finger Lakes Federal Credit Union
Finger Lakes Federal Credit Union is a federally chartered credit union in Geneva, New York, with $259 million in assets and 19,858 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 15.05%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $259 million
- +3.8% in a year
- Members
- 19,858
- -2.4% in a year
- Net worth ratio
- 15.05%
- Peer median 11.65%
- Loans 60+ days late
- 0.10%
- Peer median 0.70%
- Loans outstanding
- $158 million
- -0.3% in a year
- Shares and deposits
- $219 million
- +2.7% in a year
- Branches
- 4
- 50 employees
- Opened
- 1967
- Federal charter
How Finger Lakes Federal Credit Union compares
NCUA groups credit unions by size; Finger Lakes Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 15.05% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.10%, is lower than the group median of 0.70%. Loans fell 0.3% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 53 of 268 credit unions headquartered in New York. See all New York credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $259 million | 19,858 | $158 million | 15.05% | 0.10% |
| Q1 2026 | $253 million | 19,950 | $156 million | 14.76% | 0.12% |
| Q4 2025 | $248 million | 20,067 | $158 million | 14.45% | 0.11% |
| Q3 2025 | $248 million | 20,188 | $157 million | 14.16% | 0.19% |
| Q2 2025 | $250 million | 20,343 | $158 million | 13.82% | 0.10% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 320,661 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Finger Lakes Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office 27 Seneca (main office)
27 Seneca St, Geneva, NY 14456 - Phelps Branch
1934 State Route 96, Phelps, NY 14532 - Fairport Office
70 S Main St, Fairport, NY 14450 - Webster Office
815 Ridge Rd, Webster, NY 14580
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology