credit union · NCUA 818 · NY
How big is GOWANDA AREA?
GOWANDA AREA (NY, NCUA charter 818) reported total assets of $33.5M, 1,845 members and a net worth ratio of 16.06% in its Call Report for 2026Q2. That ranks 2748 of 4,299 federally insured credit unions by assets, 355 of 1,135 among credit unions with $10m-$50m in assets, 157 of 268 credit unions in new york.
What stands out
GOWANDA AREA (NY, NCUA charter 818) reported total assets of $33.5M, 1,845 members and a net worth ratio of 16.06% in its Call Report for 2026Q2. That ranks 2748 of 4,299 federally insured credit unions by assets, 355 of 1,135 among credit unions with $10m-$50m in assets, 157 of 268 credit unions in new york. Against its size class: net worth ratio 16.06%, above the peer median of 13.88%; loan-to-share ratio 44.97%, below the peer median of 57.77%; return on assets 1.91%, above the peer median of 0.70%. At 16.06% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $33.5M | $25.2M | $46.8M | $68.3M | record → |
| Shares and deposits | $28.1M | $21.4M | $40.0M | $58.3M | record → |
| Loans outstanding | $12.6M | $11.2M | $21.7M | $34.4M | record → |
| Net income (year to date) | $319.8k | $82.1k | $175.9k | $222.2k | record → |
| Net worth | $5.4M | $3.4M | $6.2M | $9.0M | record → |
| Net worth ratio | 16.06% | 13.88% | 12.10% | 12.65% | record → |
| Loan-to-share ratio | 44.97% | 57.77% | 60.91% | 68.70% | computed |
| Return on assets | 1.91% | 0.70% | 0.77% | 0.71% | computed |
| Members | 1,845 | 2,092 | 3,212 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $33.5M | $28.1M | $12.6M | $319.8k | 16.06% | 1,845 | 2748 |
| 2026Q1 | $32.1M | $26.9M | $12.2M | $139.6k | 16.19% | 1,845 | 2793 |
| 2025Q4 | $31.2M | $26.1M | $12.6M | $785.6k | 16.22% | 1,867 | 2821 |
| 2025Q3 | $30.9M | $26.0M | $13.3M | $620.8k | 15.85% | 1,877 | 2836 |
| 2025Q2 | $31.4M | $26.7M | $13.5M | $388.7k | 14.93% | 1,890 | 2838 |
| 2025Q1 | $31.5M | $26.9M | $13.6M | $190.5k | 14.25% | 1,896 | 2856 |
| 2024Q4 | $30.9M | $26.6M | $14.2M | $841.5k | 13.85% | 1,917 | 2866 |
| 2024Q3 | $30.3M | $26.2M | $14.5M | $618.5k | 13.39% | 1,925 | 2899 |
| 2024Q2 | $29.5M | $25.6M | $14.5M | $410.0k | 12.99% | 1,932 | 2936 |
| 2024Q1 | $28.9M | $25.3M | $13.9M | $186.0k | 12.46% | 1,938 | 2982 |
| 2023Q4 | $28.3M | $24.9M | $13.8M | $694.5k | 12.07% | 1,949 | 3007 |
| 2023Q3 | $28.8M | $25.5M | $12.8M | $532.1k | 11.24% | 1,938 | 3008 |
| 2023Q2 | $29.4M | $26.3M | $11.7M | $340.9k | 10.39% | 1,935 | 3014 |
| 2023Q1 | $29.0M | $26.1M | $10.2M | $149.9k | 9.92% | 1,927 | 3048 |
| 2022Q4 | $29.0M | $26.2M | $9.0M | $211.2k | 9.34% | 1,917 | 3059 |
| 2022Q3 | $28.7M | $26.1M | $8.5M | $112.1k | 9.09% | 1,916 | 3088 |
| 2022Q2 | $28.7M | $26.1M | $7.7M | $54.1k | 8.90% | 1,931 | 3107 |
| 2022Q1 | $27.6M | $25.0M | $7.5M | $33.4k | 9.18% | 1,955 | 3151 |
| 2021Q4 | $27.1M | $24.5M | $7.7M | $127.0k | 9.23% | 1,971 | 3164 |
| 2021Q3 | $27.4M | $24.9M | $7.9M | $128.4k | 9.13% | 1,980 | 3150 |
| 2021Q2 | $27.3M | $24.8M | $8.2M | $52.8k | 8.89% | 1,995 | 3159 |
| 2021Q1 | $27.0M | $24.6M | $8.3M | $9.6k | 8.81% | 2,016 | 3175 |
| 2020Q4 | $25.6M | $23.2M | $8.3M | $144.1k | 9.24% | 2,029 | 3178 |
| 2020Q3 | $24.3M | $21.9M | $8.5M | $143.8k | 9.75% | 2,036 | 3220 |
| 2020Q2 | $24.2M | $21.8M | $8.4M | $119.4k | 9.70% | 2,039 | 3209 |
| 2020Q1 | $22.4M | $20.1M | $8.6M | $73.6k | 10.25% | 2,040 | 3230 |
| 2019Q4 | $21.8M | $19.6M | $8.8M | $291.6k | 10.20% | 2,044 | 3239 |
| 2019Q3 | $21.8M | $19.7M | $9.0M | $232.6k | 9.92% | 2,062 | 3247 |
| 2019Q2 | $22.1M | $20.0M | $8.1M | $148.1k | 9.41% | 2,062 | 3240 |
| 2019Q1 | $21.7M | $19.7M | $7.5M | $72.4k | 9.24% | 2,065 | 3269 |
| 2018Q4 | $20.9M | $19.0M | $7.3M | $212.2k | 9.25% | 2,079 | 3299 |
| 2018Q3 | $21.5M | $19.6M | $7.2M | $160.4k | 8.76% | 2,110 | 3279 |
| 2018Q2 | $20.5M | $18.7M | $6.6M | $90.3k | 8.82% | 2,110 | 3355 |
| 2018Q1 | $20.4M | $18.6M | $6.6M | $42.7k | 8.67% | 2,133 | 3384 |
| 2017Q4 | $19.6M | $17.8M | $6.4M | $100.8k | 8.80% | 2,142 | 3409 |
| 2017Q3 | $19.4M | $17.7M | $6.1M | $76.4k | 8.73% | 2,171 | 3444 |
| 2017Q2 | $19.4M | $17.7M | $6.1M | $42.0k | 8.57% | 2,190 | 3473 |
| 2017Q1 | $19.1M | $17.4M | $5.8M | $20.4k | 8.59% | 2,198 | 3500 |
| 2016Q4 | $18.1M | $16.5M | $5.7M | $68.3k | 8.94% | 2,217 | 3553 |
| 2016Q3 | $18.4M | $16.8M | $5.7M | $53.0k | 8.73% | 2,238 | 3537 |
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