INNER LAKES Credit Union Profile

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INNER LAKES

Charter #7717 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (716) 326-3858

Fax: (716) 326-7550

Founding Date: N/A

Website: http://www.innerlakesfcu.org

Personnel & Operations

President: Bills, William

Manager: Swan, Carl

FT Employees: 27

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 5

Hours: MONDAY - THURSDAY FROM 9:00 AM - 5:00 PM F

Credit Union Profile Summary

INNER LAKES is a FCU Credit Union. With a total of 9,175 members [1], this institution manages approximately $156,350,611 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.74% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -6.62% [1].

Financial Snapshot

Total Assets [1]
$156,350,611

Total economic resources.

Total Loans [1]
$53,641,303

Total value of outstanding loans.

Total Deposits [1]
$148,653,049

Total funds deposited by members.

Members [1]
9,175

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.74%

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]
0.89%

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

Loan-to-Share Ratio [1]
36.08%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 9.41%

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

Loan Growth (4Q) [1]
↓ -6.62%

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

Member Growth (4Q) [1]
↓ -13.56%

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

Headquarters Location & Map

Headquarters Address

19-21 E MAIN ST

WESTFIELD, NY, 14787-1319
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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 INNER LAKES (Charter #7717).

Main Office

19-21 East Main Street Main Office

Type: Corporate Office

19-21 E Main St

Westfield, NY 14787-1319

Phone: (716) 326-3858

Services: Member Services, ATM

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Additional Branches

Bemus Point

21 Main Street

Type: Branch Office

21 Main St

Bemus Point, NY 14712-9303

Services: ATM, Drive-Thru

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Dunkirk

Dunkirk Office

Type: Branch Office

338 Central Ave

Dunkirk, NY 14048

Phone: (716) 366-5864

Services: Member Services

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Fredonia

3795 Lakeview Rd.

Type: Branch Office

3795 Lakeview Rd

Fredonia, NY 14063-1972

Phone: (716) 672-5666

Services: Member Services, ATM, Drive-Thru

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