Sep, 30, 2025 — COBBLESTONE COUNTRY FEDERAL CREDIT UNION is a federal credit union headquartered in ALBION, NY with 1 branch location and about $23.67 million in total assets. Opened 61 years ago in 1965, COBBLESTONE COUNTRY FEDERAL CREDIT UNION has about 2,695 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | COBBLESTONE COUNTRY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 299 West Ave ALBION, NY 14411 |
| Phone: | (585) 589-5286 |
| Fax: | (585) 589-1320 |
| Website: | https://cobblestonecountryfcu.com/ |
| Branches: | 1 branch locations |
| Members: | 2,695 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 16672 |
|---|---|
| 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: | No |
| Low Income Designation: | No |
| Assets: | $23,666,458 |
| CEO/Manager: | Christine Ranallo |
| Chairperson: | Wayne Hale Jr |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,416,790 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 5,467,645 |
| Unsecured Loans | 782,777 |
| Other Loans | 9,982,117 |
| TOTAL LOANS | 16,232,539 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -106,665 |
| Land And Building | 369,050 |
| Other Fixed Assets | 102,463 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 188,347 |
| All Other Assets | 0 |
| TOTAL ASSETS | 23,666,458 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 16,828 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 4,968,307 |
| Regular shares | 14,241,977 |
| All Other Shares & Deposits | 1,182,565 |
| TOTAL SHARES & DEPOSITS | 20,392,850 |
| TOTAL LIABILITIES | 20,409,678 |
| Regular Reserve | 0 |
| Other Reserves | 230,925 |
| Undivided Earnings | 3,025,855 |
| TOTAL EQUITY | 3,256,780 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 23,666,458 |
| INCOME & EXPENSE | |
| Loan Income | 749,302 |
| Investment Income | 156,304 |
| Other Income | 112,464 |
| Total Employee Compensation & Benefits | 235,874 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 273,767 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 12,868 |
| Cost of Funds | 12,444 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 558,934 |
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