Sep, 30, 2025 — PATRIOT FEDERAL CREDIT UNION is a federal credit union headquartered in CHAMBERSBURG, PA with 12 branch locations and about $1.25 billion in total assets. Opened 61 years ago in 1965, PATRIOT FEDERAL CREDIT UNION has about 80,838 members and employs 221 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | PATRIOT FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 800 Wayne Ave CHAMBERSBURG, PA 17201-3810 |
| Phone: | (717) 263-4444 |
| Fax: | (717) 263-8684 |
| Website: | https://www.patriotfcu.org |
| Branches: | 12 branch locations |
| Members: | 80,838 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 16574 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1965 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $1,251,772,881 |
| CEO/Manager: | Ron Celaschi |
| Chairperson: | Dennis Coons |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 119,070,243 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 353,803,067 |
| Unsecured Loans | 27,485,943 |
| Other Loans | 565,355,090 |
| TOTAL LOANS | 947,513,482 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -12,300,235 |
| Land And Building | 33,986,166 |
| Other Fixed Assets | 5,371,474 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 9,309,769 |
| All Other Assets | 905,353 |
| TOTAL ASSETS | 1,251,772,881 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 7,822,551 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 199,318,907 |
| Regular shares | 208,447,784 |
| All Other Shares & Deposits | 705,701,958 |
| TOTAL SHARES & DEPOSITS | 1,113,468,649 |
| TOTAL LIABILITIES | 1,121,630,925 |
| Regular Reserve | 0 |
| Other Reserves | -12,050,666 |
| Undivided Earnings | 142,192,622 |
| TOTAL EQUITY | 130,141,956 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 1,251,772,881 |
| INCOME & EXPENSE | |
| Loan Income | 41,695,256 |
| Investment Income | 5,432,956 |
| Other Income | 4,562,799 |
| Total Employee Compensation & Benefits | 16,185,223 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 12,940,377 |
| Non-operating Income & (Expense) | 1,636,614 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 4,229,524 |
| Cost of Funds | 17,002,199 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 8,649,624 |
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