ONTARIO SHORES Credit Union Profile

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ONTARIO SHORES

Charter #14462 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (716) 778-7423

Fax: (716) 778-8010

Founding Date: N/A

Website: http://www.osfcu.com

Personnel & Operations

President: Breczka, Joseph

Manager: Bell, Jeffrey

FT Employees: 27

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 5

Hours: Monday - Tuesday 9:00 - 4:30 Wednesday - F

Credit Union Profile Summary

ONTARIO SHORES is a FCU Credit Union. With a total of 10,609 members [1], this institution manages approximately $188,890,570 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.76% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 7.96% [1].

Financial Snapshot

Total Assets [1]
$188,890,570

Total economic resources.

Total Loans [1]
$90,473,553

Total value of outstanding loans.

Total Deposits [1]
$167,436,044

Total funds deposited by members.

Members [1]
10,609

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.76%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.10%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
54.03%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 23.64%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 7.96%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 2.18%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2890 Transit Rd

Newfane, NY, 14108-9740
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by ONTARIO SHORES (Charter #14462).

Main Office

Ontario Shores FCU Newfane Main Office

Type: Corporate Office

2890 Transit Rd

Newfane, NY 14108-9740

Phone: (716) 778-7423

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Medina

Ontario Shores FCU Medina

Type: Branch Office

4200 Salt Works Rd

Medina, NY 14103-9579

Phone: (585) 798-2136

Services: Member Services, ATM, Drive-Thru

Open in Directions