FINGER LAKES Credit Union Profile

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FINGER LAKES

Charter #18022 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (315) 781-1334

Fax: (315) 781-2385

Founding Date: N/A

Website: http://www.flfcu.org

Personnel & Operations

President: Stivers, Robert

Manager: McFadden, Robert

FT Employees: 45

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 77

Branches: 4

Hours: MONDAY-WEDNESDAY 9 AM-4:30 PM THURSDAY 9 A

Credit Union Profile Summary

FINGER LAKES is a FCU Credit Union. With a total of 20,343 members [1], this institution manages approximately $250,022,272 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 13.82% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -1.90% [1].

Financial Snapshot

Total Assets [1]
$250,022,272

Total economic resources.

Total Loans [1]
$158,268,567

Total value of outstanding loans.

Total Deposits [1]
$213,439,477

Total funds deposited by members.

Members [1]
20,343

Number of active members.

Performance Ratios

Net Worth Ratio [1]
13.82%

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]
2.06%

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

Loan-to-Share Ratio [1]
74.15%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 5.21%

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

Loan Growth (4Q) [1]
↓ -1.90%

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

Member Growth (4Q) [1]
↓ -3.17%

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

Headquarters Location & Map

Headquarters Address

27 SENECA ST

GENEVA, NY, 14456-3502
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 4 branches reported by FINGER LAKES (Charter #18022).

Main Office

Main Office 27 Seneca Main Office

Type: Corporate Office

27 Seneca St

Geneva, NY 14456-3502

Phone: (315) 781-1334

Services: Member Services, ATM

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Additional Branches

Fairport

Fairport Office

Type: Branch Office

70 S Main St

Fairport, NY 14450-2136

Phone: (585) 223-9151

Services: Member Services, ATM

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Phelps

Phelps Branch

Type: Branch Office

1934 State Route 96

Phelps, NY 14532-9705

Phone: (315) 548-2100

Services: Member Services, ATM, Drive-Thru

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Webster

Webster Office

Type: Branch Office

815 Ridge Rd

Webster, NY 14580-2410

Phone: (585) 671-8900

Services: Member Services, ATM, Drive-Thru

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