CADETS Credit Union Profile

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CADETS

Charter #6930 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (716) 771-3434

Fax: (716) 771-3435

Founding Date: N/A

Website: https://www.cadetsfcu.com

Personnel & Operations

President:

Manager: KOPACZ, SANDRA

FT Employees: 2

PT Employees: 6

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 54

Branches: 2

Hours: MONDAY - THURSDAY 9:00 AM TO 4:00 PM FRIDA

Credit Union Profile Summary

CADETS is a FCU Credit Union. With a total of 1,496 members [1], this institution manages approximately $19,198,755 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.08% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -8.89% [1].

Financial Snapshot

Total Assets [1]
$19,198,755

Total economic resources.

Total Loans [1]
$10,945,137

Total value of outstanding loans.

Total Deposits [1]
$17,601,620

Total funds deposited by members.

Members [1]
1,496

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.08%

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]
0.01%

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

Loan-to-Share Ratio [1]
62.18%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 1.30%

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

Loan Growth (4Q) [1]
↓ -8.89%

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

Member Growth (4Q) [1]
↑ 27.86%

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

Headquarters Location & Map

Headquarters Address

1751 TRANSIT RD

ELMA, NY, 14059-9687
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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 3 branches reported by CADETS (Charter #6930).

Main Office

CADETS FEDERAL CREDIT UNION Main Office

Type: Corporate Office

1751 TRANSIT RD

Elma, NY 14059-9687

Phone: (716) 771-3434

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Buffalo

CADETS FEDERAL CREDIT UNION

Type: Branch Office

927 Grant St

Buffalo, NY 14207-2820

Phone: (716) 873-1174

Services: Member Services

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N Tonawanda

NIAGARA REGIONAL FCU

Type: Corporate Office

1285 Erie Ave

N Tonawanda, NY 14120-3037

Phone: (716) 694-7344

Services: None specified

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