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EDGE FEDERAL CREDIT UNION

Dec, 31, 2021 — EDGE FEDERAL CREDIT UNION is a federal credit union headquartered in LIVERPOOL, NY with 1 branch location and about $62.25 million in total assets. Opened 66 years ago in 1956, EDGE FEDERAL CREDIT UNION has about 3,384 members and employs 10 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 Rd
LIVERPOOL, NY 13090-3538
Phone:(315) 451-0105
Fax:(315) 451-2367
Website:http://www.edgefcu.org
Branches:1 branch locations
Members:3,384
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, 2021
FHLB Member:Yes
Low Income Designation:No
Assets:$62,249,635
CEO/Manager:Theresa Lotito-Camerino
Chairperson:Mark Cardone

Call Report

  • Payday Alternative Loans (PAL Loans)
  • First Time Homebuyer Program
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 9,617,766
TOTAL INVESTMENTS 31,651,183
Loans Held for Sale 0
 
 Real Estate Loans 9,384,665
 Unsecured Loans 4,433,742
 Other Loans 5,395,334
 TOTAL LOANS 19,213,741
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -92,758
 Land And Building 724,629
 Other Fixed Assets 258,440
 NCUSIF Deposit 529,561
 All Other Assets 347,073
  TOTAL ASSETS 62,249,635
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 672,759
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 11,738,745
 Regular shares 39,758,528
 All Other Shares & Deposits 3,815,311
  TOTAL SHARES & DEPOSITS 55,312,584
  TOTAL LIABILITIES 55,985,343
 Regular Reserve 638,710
 Other Reserves 0
 Undivided Earnings 5,625,582
  TOTAL EQUITY 6,264,292
  TOTAL LIABILITIES, SHARES, & EQUITY 62,249,635
INCOME & EXPENSE  
 Loan Income 983,515
 Investment Income 544,062
 Other Income 127,240
 Total Employee Compensation & Benefits 678,848
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 977,234
 Non-operating Income & (Expense) 17,562
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -44,862
 Cost of Funds 56,204
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 387,150
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