Cadets
Cadets is a credit union based in Elma, New York, established in 1950, with $18 million in total assets serving 1,414 members. By Trust Grade it ranks 254th of 267 credit unions we track in New York. Its net worth ratio of 8.5% trails most similarly sized credit unions (7th percentile), versus a New York median of 12%. It posted a loss over the most recent period (-0.62% return on assets), a point to watch. No consumer complaints against Cadets appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Cadets compares to New York peers
How we graded Cadets
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.5% capital ratio)
- Unprofitable over the period (ROA -0.62%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Cadets over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Cadets insured?
Yes. Cadets is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Cadets: frequently asked questions
Is Cadets a good credit union?
Cadets earns a Bankzia Trust Grade of C (71/100, "Average"), based on a financial-strength score of 71/100 (it has no CFPB complaints on record). Well-capitalized (8.5% capital ratio); Unprofitable over the period (ROA -0.62%).
Is Cadets NCUA-insured?
Yes. Cadets is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Cadets?
Cadets holds $18 million in total assets, ranking 254th of 267 credit unions we track in New York. It serves 1,414 members.
Does Cadets have CFPB complaints?
No CFPB complaints against Cadets appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
