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YOUR CHOICE FEDERAL CREDIT UNION

Dec, 31, 2020 — YOUR CHOICE FEDERAL CREDIT UNION is a federal credit union headquartered in ALTOONA, PA with 1 branch location and about $13.00 million in total assets. Opened 64 years ago in 1957, YOUR CHOICE FEDERAL CREDIT UNION has about 1,575 members and employs 5 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:YOUR CHOICE FEDERAL CREDIT UNION
Address:
(Main Office)
109 KEYSTONE ST
ALTOONA, PA 16602
Phone:(814) 946-1294
Fax:(814) 946-4084
Website:http://www.yourchoicefcu.com
Branches:1 branch locations
Members:1,575
Credit Union Type:Federal Credit Union
Charter Number:11972
Membership Type:Multiple common bond - Primarily communications and utilities
Corporate Credit Union:No
Year Opened:1957
Last Audited:Dec 01, 2019
FHLB Member:No
Low Income Designation:No
Assets:$13,000,345
CEO/Manager:Autumn M Petta
Chairperson:Bobbie M Walter

Call Report

  • Overdraft Protection
  • Pay Day Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • Payday Alternative Loans (PAL Loans)
  • ATM/Debit Card Program
  • Check Cashing
  • Insurance/Investment Sales
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 2,104,459
TOTAL INVESTMENTS 7,144,868
Loans Held for Sale 0
 
 Real Estate Loans 462,192
 Unsecured Loans 822,776
 Other Loans 2,350,702
 TOTAL LOANS 3,635,670
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -76,086
 Land And Building 79,932
 Other Fixed Assets 26,163
 NCUSIF Deposit 90,032
 All Other Assets -4,693
  TOTAL ASSETS 13,000,345
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 7,401
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 2,310,251
 Regular shares 9,005,521
 All Other Shares & Deposits 244,408
  TOTAL SHARES & DEPOSITS 11,560,180
  TOTAL LIABILITIES 11,567,581
 Regular Reserve 134,861
 Other Reserves 7,586
 Undivided Earnings 1,290,317
  TOTAL EQUITY 1,432,764
  TOTAL LIABILITIES, SHARES, & EQUITY 13,000,345
INCOME & EXPENSE  
 Loan Income 161,529
 Investment Income 129,551
 Other Income 142,061
 Total Employee Compensation & Benefits 185,532
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 193,032
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 5,000
 Cost of Funds 13,507
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 36,070
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