Sep, 30, 2025 — BRADFORD AREA FEDERAL CREDIT UNION is a federal credit union headquartered in BRADFORD, PA with 1 branch location and about $12.02 million in total assets. Opened 66 years ago in 1960, BRADFORD AREA FEDERAL CREDIT UNION has about 1,396 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: | BRADFORD AREA FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 52 Davis St BRADFORD, PA 16701-2016 |
| Phone: | (814) 362-6779 |
| Fax: | (814) 362-1438 |
| Website: | https://www.bradfordareafcu.org |
| Branches: | 1 branch locations |
| Members: | 1,396 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 13823 |
|---|---|
| Membership Type: | Multiple common bond - Primarily other manufacturing |
| Corporate Credit Union: | No |
| Year Opened: | 1960 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $12,018,585 |
| CEO/Manager: | Susanne M Wilcox |
| Chairperson: | James R Rice |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,601,089 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 660,822 |
| Other Loans | 5,955,034 |
| TOTAL LOANS | 6,615,856 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -42,140 |
| Land And Building | 0 |
| Other Fixed Assets | 8,608 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 99,623 |
| All Other Assets | 0 |
| TOTAL ASSETS | 12,018,585 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 27,281 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 7,933 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 115,187 |
| Regular shares | 7,237,315 |
| All Other Shares & Deposits | 3,105,876 |
| TOTAL SHARES & DEPOSITS | 10,458,379 |
| TOTAL LIABILITIES | 10,493,593 |
| Regular Reserve | 0 |
| Other Reserves | 246,145 |
| Undivided Earnings | 1,278,847 |
| TOTAL EQUITY | 1,524,992 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 12,018,585 |
| INCOME & EXPENSE | |
| Loan Income | 306,070 |
| Investment Income | 127,197 |
| Other Income | 9,131 |
| Total Employee Compensation & Benefits | 123,941 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 104,542 |
| Non-operating Income & (Expense) | 7,950 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 41 |
| Cost of Funds | 204,221 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 17,603 |
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