Charter 9107 · Lakewood, NY
Southern Chautauqua Federal Credit Union
Southern Chautauqua Federal Credit Union is a federally chartered credit union in Lakewood, New York, with $163 million in assets and 21,498 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 17.58%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $163 million
- +1.3% in a year
- Members
- 21,498
- +5.5% in a year
- Net worth ratio
- 17.58%
- Peer median 11.65%
- Loans 60+ days late
- 1.61%
- Peer median 0.70%
- Loans outstanding
- $116 million
- -1.7% in a year
- Shares and deposits
- $135 million
- +0.1% in a year
- Branches
- 9
- 85 employees
- Opened
- 1954
- Federal charter
How Southern Chautauqua Federal Credit Union compares
NCUA groups credit unions by size; Southern Chautauqua Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 17.58% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.61%, is higher than the group median of 0.70%. Loans fell 1.7% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 68 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 | $163 million | 21,498 | $116 million | 17.58% | 1.61% |
| Q1 2026 | $166 million | 21,346 | $115 million | 13.60% | 1.75% |
| Q4 2025 | $162 million | 21,094 | $117 million | 16.93% | 1.35% |
| Q3 2025 | $158 million | 20,766 | $118 million | 16.83% | 0.92% |
| Q2 2025 | $161 million | 20,368 | $118 million | 16.10% | 0.53% |
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 126,807 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 10 sites for Southern Chautauqua 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.
- Lakewood (main office)
168 E Fairmount Ave, Lakewood, NY 14750 - Cherry Creek
6834 Main St, Cherry Creek, NY 14723 - Clymer
562 Clymer Sherman Rd, Clymer, NY 14724 - Jamestown
1283 E 2Nd St, Jamestown, NY 14701 - Frewsburg High School
26 Institute St, Frewsburg, NY 14738 - Jamestown High School
350 E 2Nd St, Jamestown, NY 14701 - Southwestern Central School
600 Hunt Rd # We, Jamestown, NY 14701 - Dunkirk
3877 Vineyard Dr, Dunkirk, NY 14048 - Corporate Office
110 Mall Blvd, Lakewood, NY 14750 - Falconer High School
2 East Ave N, Falconer, NY 14733
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