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EDGE FEDERAL CREDIT UNION

Sep, 30, 2021 — EDGE FEDERAL CREDIT UNION is a federal credit union headquartered in LIVERPOOL, NY with 1 branch location and about $60.07 million in total assets. Opened 66 years ago in 1956, EDGE FEDERAL CREDIT UNION has about 3,353 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 ROAD
LIVERPOOL, NY 13090-3538
Phone:(315) 451-0105
Fax:(315) 451-2367
Website:http://www.edgefcu.org
Branches:1 branch locations
Members:3,353
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:$60,067,694
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 8,078,846
TOTAL INVESTMENTS 30,949,765
Loans Held for Sale 0
 
 Real Estate Loans 9,270,785
 Unsecured Loans 4,352,643
 Other Loans 5,709,516
 TOTAL LOANS 19,332,944
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -123,476
 Land And Building 731,328
 Other Fixed Assets 274,464
 NCUSIF Deposit 482,881
 All Other Assets 340,942
  TOTAL ASSETS 60,067,694
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 643,881
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 11,226,228
 Regular shares 37,513,849
 All Other Shares & Deposits 4,457,307
  TOTAL SHARES & DEPOSITS 53,197,384
  TOTAL LIABILITIES 53,841,265
 Regular Reserve 638,710
 Other Reserves 0
 Undivided Earnings 5,587,719
  TOTAL EQUITY 6,226,429
  TOTAL LIABILITIES, SHARES, & EQUITY 60,067,694
INCOME & EXPENSE  
 Loan Income 742,383
 Investment Income 413,666
 Other Income 91,517
 Total Employee Compensation & Benefits 507,075
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 709,783
 Non-operating Income & (Expense) 17,562
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -8,529
 Cost of Funds 42,993
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 350,304
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