Buffalo, New York · Peer group 3
Tonawanda Community Credit Union
Tonawanda Community Credit Union holds $49.6M in assets across 5,280 members as of Q1 2026 — about $9K of assets per member, on a charter dating to 1976. Charter number 22464, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $49.6M |
|---|---|
| Total loans | $14.2M |
| Total shares (deposits) | $44.1M |
| Net worth | $5.3M |
| Members | 5,280 |
| Assets per member | $9K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 6.0% | |
|---|---|---|
| Loans | 2.9% | around the 75th percentile of its peer group |
| Deposits | 4.4% | around the 73rd percentile of its peer group |
| Members | 2.5% | around the 88th 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 | 32.3% | around the 12th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.7% | around the 24th percentile of its peer group |
| Return on assets | 1.30% | around the 80th percentile of its peer group |
| Delinquency ratio | 0.18% | around the 28th percentile of its peer group |
| Cash / assets | 10.7% | around the 47th 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 Tonawanda Community 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.
- North Towns Credit Union
Clarence, NY
$49.2M · 3,034 members
- State Cs Employees Credit Union
WATERTOWN, NY
$48.7M · 2,866 members
- Suny Fredonia Credit Union
FREDONIA, NY
$48.2M · 3,330 members
- Genesee Co-Op Credit Union
ROCHESTER, NY
$47.8M · 4,528 members
- Syracuse Cooperative Credit Union
Syracuse, NY
$47.4M · 3,685 members
- Money Credit Union
Syracuse, NY
$52.5M · 3,189 members
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