Sep, 30, 2025 — SPENCERPORT FEDERAL CREDIT UNION is a federal credit union headquartered in SPENCERPORT, NY with 1 branch location and about $40.28 million in total assets. Opened 64 years ago in 1962, SPENCERPORT FEDERAL CREDIT UNION has about 4,470 members and employs 9 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SPENCERPORT FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2775 Spencerport rd SPENCERPORT, NY 14559 |
| Phone: | (585) 352-6890 |
| Fax: | (585) 352-1899 |
| Website: | https://www.spnfcu.org |
| Branches: | 1 branch locations |
| Members: | 4,470 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 14884 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1962 |
| Last Audited: | Oct 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $40,283,458 |
| CEO/Manager: | Katherine A Czarnecki |
| Chairperson: | Christopher J Cappetta |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 929,687 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 3,996,051 |
| Unsecured Loans | 1,466,990 |
| Other Loans | 16,495,859 |
| TOTAL LOANS | 21,958,900 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -192,079 |
| Land And Building | 755,016 |
| Other Fixed Assets | 7,296 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 359,382 |
| All Other Assets | 13,598 |
| TOTAL ASSETS | 40,283,458 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 314,955 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 8,126,564 |
| Regular shares | 19,660,263 |
| All Other Shares & Deposits | 8,634,118 |
| TOTAL SHARES & DEPOSITS | 36,420,944 |
| TOTAL LIABILITIES | 36,735,899 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 3,547,559 |
| TOTAL EQUITY | 3,547,559 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 40,283,458 |
| INCOME & EXPENSE | |
| Loan Income | 996,500 |
| Investment Income | 370,441 |
| Other Income | 75,837 |
| Total Employee Compensation & Benefits | 390,604 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 580,566 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 108,667 |
| Cost of Funds | 175,067 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 238,858 |
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