Charter 7717 · Westfield, NY
Inner Lakes Federal Credit Union
Inner Lakes Federal Credit Union is a federally chartered credit union in Westfield, New York, with $166 million in assets and 10,464 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.84%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $166 million
- +6.1% in a year
- Members
- 10,464
- +14.0% in a year
- Net worth ratio
- 9.84%
- Peer median 11.65%
- Loans 60+ days late
- 0.57%
- Peer median 0.70%
- Loans outstanding
- $52.8 million
- -1.6% in a year
- Shares and deposits
- $156 million
- +4.6% in a year
- Branches
- 5
- 27 employees
- Opened
- 1952
- Federal charter
How Inner Lakes Federal Credit Union compares
NCUA groups credit unions by size; Inner Lakes Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 9.84% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.57%, is lower than the group median of 0.70%. Loans fell 1.6% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 67 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 | $166 million | 10,464 | $52.8 million | 9.84% | 0.57% |
| Q1 2026 | $162 million | 11,069 | $54.0 million | 9.82% | 0.57% |
| Q4 2025 | $159 million | 10,474 | $53.7 million | 9.78% | 0.44% |
| Q3 2025 | $157 million | 10,462 | $54.2 million | 9.84% | 1.96% |
| Q2 2025 | $156 million | 9,175 | $53.6 million | 9.74% | 1.02% |
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 124,000 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 Inner 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.
- 19-21 East Main Street (main office)
19-21 E Main St, Westfield, NY 14787 - 3795 Lakeview Rd.
3795 Lakeview Rd, Fredonia, NY 14063 - Dunkirk Office
338 Central Ave, Dunkirk, NY 14048 - 21 Main Street
21 Main St, Bemus Point, NY 14712 - Silver Creek
232 Central Ave, Silver Creek, NY 14136 - Administrative Office
15-17 E Main St, Westfield, NY 14787
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