NORTH TOWNS Credit Union Profile

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NORTH TOWNS

Charter #9812 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (716) 630-0888

Fax: (716) 633-2407

Founding Date: N/A

Website: http://www.northtownsfcu.com

Personnel & Operations

President: Gonzales, Joseph

Manager: Smith, Rebecca

FT Employees: 6

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 2

Hours: Mon - Wed 9:30am - 4:30pm Thurs 9:00am - 5

Credit Union Profile Summary

NORTH TOWNS is a FCU Credit Union. With a total of 3,023 members [1], this institution manages approximately $48,548,620 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 8.8% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 3.05% [1].

Financial Snapshot

Total Assets [1]
$48,548,620

Total economic resources.

Total Loans [1]
$28,138,806

Total value of outstanding loans.

Total Deposits [1]
$44,223,866

Total funds deposited by members.

Members [1]
3,023

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.8%

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]
1.29%

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

Loan-to-Share Ratio [1]
63.63%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 9.11%

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

Loan Growth (4Q) [1]
↑ 3.05%

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

Member Growth (4Q) [1]
↓ -3.20%

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

Headquarters Location & Map

Headquarters Address

9145 Sheridan Dr

Clarence, NY, 14031
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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 2 branches reported by NORTH TOWNS (Charter #9812).

Main Office

Clarence Community & Schools FCU Main Office

Type: Corporate Office

9145 Sheridan Dr

Clarence, NY 14031

Phone: (716) 630-0888

Services: Member Services

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Additional Branches

Clarence

Clarence High School

Type: Branch Office

9625 Main St

Clarence, NY 14031

Phone: (716) 407-9127

Services: Member Services

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