Sep, 30, 2025 — FOCUS FIRST FEDERAL CREDIT UNION is a federal credit union headquartered in ROCHESTER, NY with 1 branch location and about $10.90 million in total assets. Opened 71 years ago in 1955, FOCUS FIRST FEDERAL CREDIT UNION has about 903 members and employs 4 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FOCUS FIRST FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2113 Chili Ave ROCHESTER, NY 14624 |
| Phone: | (585) 458-9220 |
| Fax: | (585) 458-4771 |
| Website: | https://www.focusfirstfcu.org |
| Branches: | 1 branch locations |
| Members: | 903 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 10220 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1955 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $10,898,836 |
| CEO/Manager: | Scott Neal |
| Chairperson: | lloyd hogle |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,013,814 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 923,290 |
| Unsecured Loans | 258,219 |
| Other Loans | 787,990 |
| TOTAL LOANS | 1,969,499 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -31,155 |
| Land And Building | 1,443,350 |
| Other Fixed Assets | 38,566 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 70,924 |
| All Other Assets | 0 |
| TOTAL ASSETS | 10,898,836 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,387 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 554,306 |
| Regular shares | 3,580,920 |
| All Other Shares & Deposits | 1,999,543 |
| TOTAL SHARES & DEPOSITS | 6,134,769 |
| TOTAL LIABILITIES | 6,137,156 |
| Regular Reserve | 0 |
| Other Reserves | 4,678,789 |
| Undivided Earnings | 82,891 |
| TOTAL EQUITY | 4,761,680 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 10,898,836 |
| INCOME & EXPENSE | |
| Loan Income | 108,927 |
| Investment Income | 186,427 |
| Other Income | 22,984 |
| Total Employee Compensation & Benefits | 215,816 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 238,331 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -25,000 |
| Cost of Funds | 58,313 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -168,208 |
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