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Lewiston Porter Credit Union

Overview
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Lewiston Porter Credit Union is a federal credit union based in Youngstown, New York. It has been opened since 1956, for 64 years.

With around $11,540,000 in assets, Lewiston Porter Credit Union is considered to be a medium size credit union.

About
Address 4061 Creek Road
Youngstown, New York 14174
Website http://www.lewistonporterfcu.com
Phone (716) 286-7293
Fax (716) 754-9398
CEO Kenneth J. Stadler
President of the Board Janet Cirillo
Services Offered
Map
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Score Card
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64 years
Years in business
Opened in 1956
Well Capitalized
Net worth classification
Source: NCUA
941 members
Membership type: Multiple common bond – primary educational
Below average number of members
269:1
Credit union member to staff ratio
269 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$11,540,759
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 3 in New York
Average number of branches
0.25%
Savings interest rate
Compared to 0.3% nationally
7.75%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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1 branch
Compared with an average of 4 nationally and 3 in New York
Average number of branches
Lewiston Porter Credit Union Branch Locations

Lewiston Porter Federal Credit Union
4061 Creek Road
Youngstown, New York 14174
No ATM
Members
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941 members
Membership type: Multiple common bond – primary educational
Below average number of members

With 941 members, the Lewiston Porter Credit Union is considered to be a very small credit union. It is among the smallest credit unions and is smaller than 82% of credit unions.

Fees
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$20
Average fee per member
The average fee per member at the Lewiston Porter Credit Union is $20, which is low compared to most credit unions. This rate is lower than 72% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Lewiston Porter Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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269:1
Credit union member to staff ratio
269 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
4 staff members
FTE (full-time equivalent)
25% of employees are part-time
3 full-time, 1 part-time

Lewiston Porter Credit Union has 3 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 75% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Lewiston Porter Credit Union has around 269 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets
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$11,540,759
Total assets
Below average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
11.6%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$17,058
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 86% of credit unions.

Lewiston Porter Credit Union holds a total of $5,890,000 in loans and leases, which is about $17,058 per member on average.

Savings interest rate
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0.25%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Lewiston Porter Credit Union pays 0.25%.

Loan rates
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7.75%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.50%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
7.25%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.10%
New car loan rate
Compared to 4.0% nationally
4.30%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.35%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
3.91%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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