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EDGE FEDERAL CREDIT UNION

Mar, 31, 2021 — EDGE FEDERAL CREDIT UNION is a federal credit union headquartered in LIVERPOOL, NY with 1 branch location and about $58.46 million in total assets. Opened 65 years ago in 1956, EDGE FEDERAL CREDIT UNION has about 3,419 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:3,419
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:$58,460,612
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 10,126,443
TOTAL INVESTMENTS 27,212,427
Loans Held for Sale 0
 
 Real Estate Loans 9,036,730
 Unsecured Loans 4,322,609
 Other Loans 6,075,060
 TOTAL LOANS 19,434,399
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -165,214
 Land And Building 739,207
 Other Fixed Assets 317,259
 NCUSIF Deposit 483,852
 All Other Assets 312,239
  TOTAL ASSETS 58,460,612
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 553,423
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 11,381,606
 Regular shares 36,650,112
 All Other Shares & Deposits 3,922,173
  TOTAL SHARES & DEPOSITS 51,953,891
  TOTAL LIABILITIES 52,507,314
 Regular Reserve 638,710
 Other Reserves 0
 Undivided Earnings 5,314,588
  TOTAL EQUITY 5,953,298
  TOTAL LIABILITIES, SHARES, & EQUITY 58,460,612
INCOME & EXPENSE  
 Loan Income 254,153
 Investment Income 140,758
 Other Income 28,140
 Total Employee Compensation & Benefits 167,519
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 236,691
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 7,500
 Cost of Funds 14,938
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 43,732
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