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EDGE FEDERAL CREDIT UNION

Dec, 31, 2020 — EDGE FEDERAL CREDIT UNION is a federal credit union headquartered in LIVERPOOL, NY with 1 branch location and about $55.69 million in total assets. Opened 65 years ago in 1956, EDGE FEDERAL CREDIT UNION has about 3,426 members and employs 12 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:EDGE FEDERAL CREDIT UNION
Address:
(Main Office)
7545 MORGAN ROAD
LIVERPOOL, NY 13090-3538
Phone:(315) 451-0105
Fax:(315) 451-2367
Website:http://www.edgefcu.org
Branches:1 branch locations
Members:3,426
Credit Union Type:Federal Credit Union
Charter Number:11457
Membership Type:Multiple common bond - Primarily educational
Corporate Credit Union:No
Year Opened:1956
Last Audited:Aug 01, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$55,691,055
CEO/Manager:Theresa Lotito-Camerino
Chairperson:Maria Knapp

Call Report

  • Credit Builder
  • Direct Financing Leases
  • Overdraft Lines of Credit
  • Participation Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • Payday Alternative Loans (PAL Loans)
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • First Time Homebuyer Program
  • Health Savings Accounts
  • In-School Branches
  • Insurance/Investment Sales
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 8,216,193
TOTAL INVESTMENTS 25,510,660
Loans Held for Sale 0
 
 Real Estate Loans 9,345,489
 Unsecured Loans 4,521,050
 Other Loans 6,340,786
 TOTAL LOANS 20,207,325
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -157,868
 Land And Building 745,639
 Other Fixed Assets 337,816
 NCUSIF Deposit 483,852
 All Other Assets 347,438
  TOTAL ASSETS 55,691,055
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 549,089
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 10,393,231
 Regular shares 34,898,438
 All Other Shares & Deposits 3,938,032
  TOTAL SHARES & DEPOSITS 49,229,701
  TOTAL LIABILITIES 49,778,790
 Regular Reserve 638,710
 Other Reserves 0
 Undivided Earnings 5,273,555
  TOTAL EQUITY 5,912,265
  TOTAL LIABILITIES, SHARES, & EQUITY 55,691,055
INCOME & EXPENSE  
 Loan Income 1,119,276
 Investment Income 586,289
 Other Income 298,247
 Total Employee Compensation & Benefits 680,207
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 951,575
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 28,000
 Cost of Funds 74,336
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 269,694
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