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OSWEGO TEACHERS EMPLOYEES FEDERAL CREDIT UNION

Dec, 31, 2020 — OSWEGO TEACHERS EMPLOYEES FEDERAL CREDIT UNION is a federal credit union headquartered in OSWEGO, NY with 1 branch location and about $54.27 million in total assets. Opened 60 years ago in 1961, OSWEGO TEACHERS EMPLOYEES FEDERAL CREDIT UNION has about 2,621 members and employs 7 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:OSWEGO TEACHERS EMPLOYEES FEDERAL CREDIT UNION
Address:
(Main Office)
90 W UTICA ST, PO BOX 878
OSWEGO, NY 13126
Phone:(315) 342-4574
Fax:(315) 342-2205
Website:http://oswegoteacherscu.org
Branches:1 branch locations
Members:2,621
Credit Union Type:Federal Credit Union
Charter Number:14436
Membership Type:Multiple common bond - Primarily educational
Corporate Credit Union:No
Year Opened:1961
Last Audited:Sep 01, 2020
FHLB Member:No
Low Income Designation:No
Assets:$54,271,216
CEO/Manager:Joseph Dwyer
Chairperson:William Symons

Call Report

  • Overdraft Lines of Credit
  • Overdraft Protection
  • Real Estate Loans
  • Risk Based Loans
  • ATM/Debit Card Program
  • Insurance/Investment Sales
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 10,047,991
TOTAL INVESTMENTS 15,567,500
Loans Held for Sale 0
 
 Real Estate Loans 16,547,885
 Unsecured Loans 4,210,092
 Other Loans 6,585,461
 TOTAL LOANS 27,343,438
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -145,000
 Land And Building 615,272
 Other Fixed Assets 38,730
 NCUSIF Deposit 445,435
 All Other Assets 357,850
  TOTAL ASSETS 54,271,216
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 330,140
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 4,899,662
 Regular shares 8,800,195
 All Other Shares & Deposits 34,959,463
  TOTAL SHARES & DEPOSITS 48,659,320
  TOTAL LIABILITIES 48,989,460
 Regular Reserve 451,573
 Other Reserves 0
 Undivided Earnings 4,830,183
  TOTAL EQUITY 5,281,756
  TOTAL LIABILITIES, SHARES, & EQUITY 54,271,216
INCOME & EXPENSE  
 Loan Income 1,099,474
 Investment Income 431,223
 Other Income 158,098
 Total Employee Compensation & Benefits 462,011
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 533,842
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 19,857
 Cost of Funds 307,940
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 365,145
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