Charter 21083 · Olean, NY
High Point Federal Credit Union
High Point Federal Credit Union is a federally chartered credit union in Olean, New York, with $430 million in assets and 22,734 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 14.30%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $430 million
- +4.5% in a year
- Members
- 22,734
- +10.0% in a year
- Net worth ratio
- 14.30%
- Peer median 11.65%
- Loans 60+ days late
- 0.67%
- Peer median 0.70%
- Loans outstanding
- $233 million
- +14.2% in a year
- Shares and deposits
- $372 million
- +3.8% in a year
- Branches
- 5
- 92 employees
- Opened
- 1972
- Federal charter
How High Point Federal Credit Union compares
NCUA groups credit unions by size; High Point Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 14.30% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.67%, is about the same as the group median of 0.70%. Loans grew 14.2% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 39 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 | $430 million | 22,734 | $233 million | 14.30% | 0.67% |
| Q1 2026 | $434 million | 22,641 | $229 million | 14.04% | 0.81% |
| Q4 2025 | $415 million | 21,030 | $216 million | 14.11% | 0.63% |
| Q3 2025 | $410 million | 20,950 | $212 million | 14.15% | 0.53% |
| Q2 2025 | $411 million | 20,671 | $204 million | 14.02% | 0.60% |
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 177,071 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 6 sites for High Point 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.
- High Point FCU
1201 Wayne St, Olean, NY 14760 - High Point FCU
180 W Main St, Allegany, NY 14706 - High Point FCU
160 S Main St, Portville, NY 14770 - High Point FCU (main office)
234 Homer St, Olean, NY 14760 - High Point FCU
1035 E Main St, Bradford, PA 16701 - High Point FCU
100 Fair Oak St, Little Valley, NY 14755
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