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EDGE FEDERAL CREDIT UNION

Jun, 30, 2021 — EDGE FEDERAL CREDIT UNION is a federal credit union headquartered in LIVERPOOL, NY with 1 branch location and about $60.72 million in total assets. Opened 65 years ago in 1956, EDGE FEDERAL CREDIT UNION has about 3,387 members and employs 11 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:3,387
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:$60,715,241
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 10,858,886
TOTAL INVESTMENTS 29,148,806
Loans Held for Sale 0
 
 Real Estate Loans 8,995,459
 Unsecured Loans 4,180,042
 Other Loans 5,750,916
 TOTAL LOANS 18,926,417
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -103,005
 Land And Building 738,026
 Other Fixed Assets 297,009
 NCUSIF Deposit 482,881
 All Other Assets 366,221
  TOTAL ASSETS 60,715,241
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 599,086
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 11,313,612
 Regular shares 39,065,834
 All Other Shares & Deposits 3,669,488
  TOTAL SHARES & DEPOSITS 54,048,934
  TOTAL LIABILITIES 54,648,020
 Regular Reserve 638,710
 Other Reserves 0
 Undivided Earnings 5,428,511
  TOTAL EQUITY 6,067,221
  TOTAL LIABILITIES, SHARES, & EQUITY 60,715,241
INCOME & EXPENSE  
 Loan Income 498,925
 Investment Income 273,894
 Other Income 58,164
 Total Employee Compensation & Benefits 345,892
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 465,875
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -25,706
 Cost of Funds 29,396
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 154,957
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