Dec, 31, 2023 — STEUBEN CITIZENS FEDERAL CREDIT UNION is a federal credit union headquartered in BATH, NY with 3 branch locations and about $35.55 million in total assets. Opened 75 years ago in 1949, STEUBEN CITIZENS FEDERAL CREDIT UNION has about 2,598 members and employs 7 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | STEUBEN CITIZENS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2 Wilson Ave BATH, NY 14810-1634 |
| Phone: | (607) 776-3684 |
| Fax: | |
| Website: | https://steubencitizensfcu.com |
| Branches: | 3 branch locations |
| Members: | 2,598 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 6225 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1949 |
| Last Audited: | Dec 01, 2022 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $35,550,182 |
| CEO/Manager: | Brandy L Holbrook |
| Chairperson: | Robert P Brown |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,581,690 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 727,317 |
| Unsecured Loans | 1,539,510 |
| Other Loans | 4,219,667 |
| TOTAL LOANS | 7,083,122 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -15,853 |
| Land And Building | 135,060 |
| Other Fixed Assets | 47,046 |
| NCUSIF Deposit | 293,583 |
| All Other Assets | 0 |
| TOTAL ASSETS | 35,550,182 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 33,270 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 423,508 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 5,621,128 |
| Regular shares | 17,739,758 |
| All Other Shares & Deposits | 7,627,714 |
| TOTAL SHARES & DEPOSITS | 30,988,601 |
| TOTAL LIABILITIES | 31,445,379 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 4,104,803 |
| TOTAL EQUITY | 4,104,803 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 35,550,182 |
| INCOME & EXPENSE | |
| Loan Income | 289,367 |
| Investment Income | 509,272 |
| Other Income | 59,913 |
| Total Employee Compensation & Benefits | 314,208 |
| NCUSIF Premiums Expense | 0 |
| Total Other Operating Expenses | 484,046 |
| Non-operating Income & (Expense) | 12,878 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 43,758 |
| Cost of Funds | 237,338 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -102,751 |
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