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OSWEGO TEACHERS EMPLOYEES FEDERAL CREDIT UNION

Mar, 31, 2021 — OSWEGO TEACHERS EMPLOYEES FEDERAL CREDIT UNION is a federal credit union headquartered in OSWEGO, NY with 1 branch location and about $54.56 million in total assets. Opened 60 years ago in 1961, OSWEGO TEACHERS EMPLOYEES FEDERAL CREDIT UNION has about 2,632 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:2,632
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:$54,556,152
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 7,377,893
TOTAL INVESTMENTS 16,317,500
Loans Held for Sale 223,920
 
 Real Estate Loans 18,908,396
 Unsecured Loans 3,905,456
 Other Loans 6,490,044
 TOTAL LOANS 29,303,896
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -191,532
 Land And Building 612,223
 Other Fixed Assets 36,089
 NCUSIF Deposit 445,435
 All Other Assets 430,728
  TOTAL ASSETS 54,556,152
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 299,837
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 4,874,627
 Regular shares 9,959,587
 All Other Shares & Deposits 34,084,490
  TOTAL SHARES & DEPOSITS 48,918,704
  TOTAL LIABILITIES 49,218,541
 Regular Reserve 451,573
 Other Reserves 0
 Undivided Earnings 4,886,038
  TOTAL EQUITY 5,337,611
  TOTAL LIABILITIES, SHARES, & EQUITY 54,556,152
INCOME & EXPENSE  
 Loan Income 277,880
 Investment Income 95,826
 Other Income 6,547
 Total Employee Compensation & Benefits 149,351
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 100,602
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 45,000
 Cost of Funds 59,807
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 55,855
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