Gowanda, New York · Peer group 3
Gowanda Area Credit Union
Gowanda Area Credit Union holds $32.1M in assets across 1,845 members as of Q1 2026 — about $17K of assets per member, on a charter dating to 1935. Charter number 818, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $32.1M |
|---|---|
| Total loans | $12.2M |
| Total shares (deposits) | $26.9M |
| Net worth | $5.2M |
| Members | 1,845 |
| Assets per member | $17K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.1% | |
|---|---|---|
| Loans | -10.7% | around the 17th percentile of its peer group |
| Deposits | -0.2% | around the 39th percentile of its peer group |
| Members | -2.7% | around the 34th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 45.2% | around the 29th percentile of its peer group |
|---|---|---|
| Net worth ratio | 16.2% | around the 67th percentile of its peer group |
| Return on assets | 1.74% | higher than 91% of its peer group |
| Delinquency ratio | 0.00% | lower than 95% of its peer group |
| Cash / assets | 20.7% | around the 85th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Gowanda Area Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New York — the comparison set a peer ratio is measured against.
- Rome Credit Union
Rome, NY
$32.2M · 1,823 members
- Erie County Employees Credit Union
BUFFALO, NY
$32.3M · 3,853 members
- Elektra Credit Union
New York, NY
$31.8M · 5,767 members
- Korean American Catholics Credit Union
FLUSHING, NY
$31.4M · 1,655 members
- Gates Chili Credit Union
Rochester, NY
$31.4M · 2,222 members
- Westar Credit Union
CAMILLUS, NY
$33.2M · 1,751 members
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