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STATE CS EMPLOYEES FEDERAL CREDIT UNION

Mar, 31, 2021 — STATE CS EMPLOYEES FEDERAL CREDIT UNION is a federal credit union headquartered in WATERTOWN, NY with 2 branch locations and about $28.54 million in total assets. Opened 57 years ago in 1964, STATE CS EMPLOYEES FEDERAL CREDIT UNION has about 2,357 members and employs 8 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 221380949
Name:STATE CS EMPLOYEES FEDERAL CREDIT UNION
Address:
(Main Office)
317 WASHINGTON ST
WATERTOWN, NY 13601
Phone:(315) 785-2400
Fax:(315) 785-2459
Website:http://www.statecs.org
Branches:2 branch locations
Members:2,357
Credit Union Type:Federal Credit Union
Charter Number:16207
Membership Type:Multiple common bond - Primarily federal, state, local government
Corporate Credit Union:No
Year Opened:1964
Last Audited:Jun 01, 2019
FHLB Member:No
Low Income Designation:No
Assets:$28,535,461
CEO/Manager:Jacqueline Ramirez
Chairperson:Owen Virkler

Call Report

  • Credit Builder
  • Micro Business Loans
  • Overdraft Protection
  • Real Estate Loans
  • Risk Based Loans
  • ATM/Debit Card Program
  • Check Cashing
  • Insurance/Investment Sales
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 9,612,109
TOTAL INVESTMENTS 261,177
Loans Held for Sale 0
 
 Real Estate Loans 1,297,831
 Unsecured Loans 1,653,515
 Other Loans 15,649,919
 TOTAL LOANS 18,601,265
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -176,201
 Land And Building 0
 Other Fixed Assets 0
 NCUSIF Deposit 181,028
 All Other Assets 56,083
  TOTAL ASSETS 28,535,461
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 31,613
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 4,542,820
 Regular shares 14,613,055
 All Other Shares & Deposits 6,866,033
  TOTAL SHARES & DEPOSITS 26,021,908
  TOTAL LIABILITIES 26,053,521
 Regular Reserve 243,120
 Other Reserves 0
 Undivided Earnings 2,238,820
  TOTAL EQUITY 2,481,940
  TOTAL LIABILITIES, SHARES, & EQUITY 28,535,461
INCOME & EXPENSE  
 Loan Income 258,960
 Investment Income 2,160
 Other Income 25,552
 Total Employee Compensation & Benefits 116,207
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 80,649
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 26,143
 Cost of Funds 43,870
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 50,350
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