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BRADFORD AREA FEDERAL CREDIT UNION

Dec, 31, 2020 — BRADFORD AREA FEDERAL CREDIT UNION is a federal credit union headquartered in BRADFORD, PA with 1 branch location and about $8.97 million in total assets. Opened 61 years ago in 1960, BRADFORD AREA FEDERAL CREDIT UNION has about 1,821 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, STE 1
BRADFORD, PA 16701-2016
Phone:(814) 362-6779
Fax:(814) 362-1438
Website:http://bradfordareafcu.org
Branches:1 branch locations
Members:1,821
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, 2020
FHLB Member:No
Low Income Designation:No
Assets:$8,970,456
CEO/Manager:Susanne M Wilcox
Chairperson:James A Wilcox

Call Report

  • Risk Based Loans
  • ATM/Debit Card Program
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 1,950,095
TOTAL INVESTMENTS 3,414,144
Loans Held for Sale 0
 
 Real Estate Loans 0
 Unsecured Loans 747,948
 Other Loans 2,796,176
 TOTAL LOANS 3,544,124
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -22,265
 Land And Building 0
 Other Fixed Assets 6,912
 NCUSIF Deposit 60,913
 All Other Assets 16,533
  TOTAL ASSETS 8,970,456
LIABILITIES & CAPITAL:  
 Dividends Payable 15,888
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 10,968
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 126,376
 Regular shares 7,296,592
 All Other Shares & Deposits 0
  TOTAL SHARES & DEPOSITS 7,422,968
  TOTAL LIABILITIES 7,449,824
 Regular Reserve 57,107
 Other Reserves 189,038
 Undivided Earnings 1,274,487
  TOTAL EQUITY 1,520,632
  TOTAL LIABILITIES, SHARES, & EQUITY 8,970,456
INCOME & EXPENSE  
 Loan Income 253,603
 Investment Income 53,373
 Other Income 15,936
 Total Employee Compensation & Benefits 162,240
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 106,505
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -2,514
 Cost of Funds 59,146
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -2,465
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