Finger Lakes Federal Credit Union
Geneva, NY·Charter 18022·cu:18022·Credit union RBC / net worth
- #53 of 268Total assets in New York
- 19.9Kmembers
- #6 of 1,817Lowest cost of deposits in the U.S.
- Top 1%Cost of deposits vs. peers
- Top 6%Loan quality vs. peers
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Finger Lakes Federal Credit Union
1 of 25 FORFI signals stand out against 770 similar credit unions, based on NCUA data for the quarter.
Share and deposit costs among the lowest of similar credit unionsStrength: Funding 2nd quarter0.16%peers 1.30%-114 bps
Finger Lakes Federal Credit Union's cost of all shares and deposits was 0.16%, compared with a median of 1.30% among 770 similar credit unions: lower than 99% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 0.16% | 1.30% | -114 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Finger Lakes Federal Credit Union itself is left out of every peer median and percentile. How signals work
Where Finger Lakes Federal Credit Union differs most from peers
Net worth ratio rising faster than peersContext: Capital15.05%peers 11.74%+3.3 pp
Finger Lakes Federal Credit Union's net worth ratio rose 1.2 percentage points over the past year to 15.05%. Among 770 similar credit unions, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 15.05% | 11.74% | +3.3 pp |
| 12-month change | ||
| +1.2 pp | +0.3 pp | +0.9 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Finger Lakes Federal Credit Union itself is left out of every peer median and percentile. How signals work
Delinquent loans among the lowest of similar credit unionsContext: Asset quality0.10%peers 0.71%-62 bps
Finger Lakes Federal Credit Union's loans 60+ days delinquent as a share of loans was 0.10%, compared with a median of 0.71% among 770 similar credit unions: lower than 94% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Loans 60+ days delinquent as a share of loans | ||
| 0.10% | 0.71% | -62 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Finger Lakes Federal Credit Union itself is left out of every peer median and percentile. How signals work
Key facts
- Finger Lakes Federal Credit Union is a federally chartered credit union headquartered in Geneva, New York. It reported $259 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $219 million, up 2.7% from a year earlier, and loans totaled $158 million, down 0.3%.
- Its net interest margin on average assets was 4.17% and its annualized return on assets was 1.77% for the quarter.
- Its cost of all shares and deposits was 0.16%, compared with a median of 1.30% among 770 similar credit unions with $100 million to $300 million in assets.
- It served 19,858 members, down 2.4% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Finger Lakes Federal Credit Union's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Finger Lakes Federal Credit Union · Credit union
- NCUA charter
- 18022
- Reporting period
- Peer group
- 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Finger Lakes Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $1.13M | |
| $2.75M | |
| $86.68K | |
| $2.66M | |
| $820.84K | |
| $2.31M | |
| $43.52K | |
| $43.52K | |
| 1.77% | |
| 4.17% | |
| 66.25% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.