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National Credit Union Service Organization

CHANGING SEASONS FEDERAL CREDIT UNION

Dec, 31, 2020 — CHANGING SEASONS FEDERAL CREDIT UNION is a federal credit union headquartered in Hampden, ME with 1 branch location and about $28.03 million in total assets. Opened 55 years ago in 1966, CHANGING SEASONS FEDERAL CREDIT UNION has about 2,242 members and employs 12 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: 211287405
Name:CHANGING SEASONS FEDERAL CREDIT UNION
Address:
(Main Office)
115 Mecaw RD
Hampden, ME 04444-1944
Phone:(207) 945-6264
Fax:(207) 517-6850
Website:http://www.changingseasonsfcu.com
Branches:1 branch locations
Members:2,242
Credit Union Type:Federal Credit Union
Charter Number:17472
Membership Type:Community credit unions, urban or rural, other than those designated 'low income'
Corporate Credit Union:No
Year Opened:1966
Last Audited:Oct 01, 2020
FHLB Member:No
Low Income Designation:No
Assets:$28,027,686
CEO/Manager:Rob S Picard
Chairperson:Elizabeth H Kotredes

Call Report

  • Credit Builder
  • Indirect Consumer Loans
  • Micro Business Loans
  • Micro Consumer Loans
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Participation Loans
  • Real Estate Loans
  • Risk Based Loans
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • Health Savings Accounts
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 2,926,367
TOTAL INVESTMENTS 61,370
Loans Held for Sale 0
 
 Real Estate Loans 9,360,335
 Unsecured Loans 2,466,522
 Other Loans 11,752,705
 TOTAL LOANS 23,579,562
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -94,603
 Land And Building 789,322
 Other Fixed Assets 205,484
 NCUSIF Deposit 197,535
 All Other Assets 362,649
  TOTAL ASSETS 28,027,686
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 75,094
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 4,097,455
 Regular shares 11,418,602
 All Other Shares & Deposits 10,340,756
  TOTAL SHARES & DEPOSITS 25,856,813
  TOTAL LIABILITIES 25,931,907
 Regular Reserve 319,332
 Other Reserves 0
 Undivided Earnings 1,776,447
  TOTAL EQUITY 2,095,779
  TOTAL LIABILITIES, SHARES, & EQUITY 28,027,686
INCOME & EXPENSE  
 Loan Income 1,223,908
 Investment Income 25,722
 Other Income 259,461
 Total Employee Compensation & Benefits 576,657
 NCUSIF Premiums Expense 6,408
 Total Other Operating Expenses 772,770
 Non-operating Income & (Expense) -6,572
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 11,000
 Cost of Funds 135,030
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 654
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