Sep, 30, 2025 — ONEIDA COUNTY FEDERAL CREDIT UNION is a federal credit union headquartered in UTICA, NY with 1 branch location and about $14.06 million in total assets. Opened 67 years ago in 1959, ONEIDA COUNTY FEDERAL CREDIT UNION has about 1,511 members and employs 3 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ONEIDA COUNTY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 800 Park Ave UTICA, NY 13501 |
| Phone: | (315) 798-5741 |
| Fax: | |
| Website: | https://www.oneidacfcu.org |
| Branches: | 1 branch locations |
| Members: | 1,511 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 13102 |
|---|---|
| Membership Type: | Multiple common bond - Primarily federal, state, local government |
| Corporate Credit Union: | No |
| Year Opened: | 1959 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $14,059,056 |
| CEO/Manager: | Rebecca A Coyne |
| Chairperson: | Samuel H Trapanick |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,643,618 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 675,036 |
| Unsecured Loans | 901,642 |
| Other Loans | 3,081,905 |
| TOTAL LOANS | 4,658,583 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -19,086 |
| Land And Building | 0 |
| Other Fixed Assets | 50,817 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 121,406 |
| All Other Assets | 0 |
| TOTAL ASSETS | 14,059,056 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 6,905 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 14,591 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 2,094,924 |
| Regular shares | 8,654,031 |
| All Other Shares & Deposits | 1,619,312 |
| TOTAL SHARES & DEPOSITS | 12,368,267 |
| TOTAL LIABILITIES | 12,389,763 |
| Regular Reserve | 0 |
| Other Reserves | 149,742 |
| Undivided Earnings | 1,519,551 |
| TOTAL EQUITY | 1,669,293 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 14,059,056 |
| INCOME & EXPENSE | |
| Loan Income | 232,990 |
| Investment Income | 137,526 |
| Other Income | 21,903 |
| Total Employee Compensation & Benefits | 175,267 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 183,298 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -5,924 |
| Cost of Funds | 57,919 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 27,244 |
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