Sep, 30, 2025 — COOPERS CAVE FEDERAL CREDIT UNION is a federal credit union headquartered in GLENS FALLS, NY with 2 branch locations and about $20.63 million in total assets. Opened 68 years ago in 1958, COOPERS CAVE FEDERAL CREDIT UNION has about 1,935 members and employs 4 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | COOPERS CAVE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 92 Dix Ave GLENS FALLS, NY 12801-3158 |
| Phone: | (518) 793-9502 |
| Fax: | (518) 793-7961 |
| Website: | https://www.cooperscavefcu.com |
| Branches: | 2 branch locations |
| Members: | 1,935 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 12671 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1958 |
| Last Audited: | Sep 01, 2023 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $20,628,942 |
| CEO/Manager: | Christine Smith |
| Chairperson: | Mark Rogers |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,358,708 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 3,787,178 |
| Unsecured Loans | 183,462 |
| Other Loans | 5,273,943 |
| TOTAL LOANS | 9,244,583 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -51,653 |
| Land And Building | 320,628 |
| Other Fixed Assets | 61,036 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 191,412 |
| All Other Assets | 0 |
| TOTAL ASSETS | 20,628,942 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 50,606 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 4,556,071 |
| Regular shares | 9,175,308 |
| All Other Shares & Deposits | 5,196,861 |
| TOTAL SHARES & DEPOSITS | 18,928,241 |
| TOTAL LIABILITIES | 18,978,847 |
| Regular Reserve | 0 |
| Other Reserves | 141,872 |
| Undivided Earnings | 1,508,223 |
| TOTAL EQUITY | 1,650,095 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 20,628,942 |
| INCOME & EXPENSE | |
| Loan Income | 343,247 |
| Investment Income | 263,535 |
| Other Income | 102,389 |
| Total Employee Compensation & Benefits | 193,150 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 320,543 |
| Non-operating Income & (Expense) | 3,852 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 4,000 |
| Cost of Funds | 8,760 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 186,570 |
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