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SOUTH TOWNS COMMUNITY FEDERAL CREDIT UNION

Mar, 31, 2021 — SOUTH TOWNS COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in LACKAWANNA, NY with 1 branch location and about $18.75 million in total assets. Opened 54 years ago in 1967, SOUTH TOWNS COMMUNITY FEDERAL CREDIT UNION has about 2,255 members and employs 5 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:SOUTH TOWNS COMMUNITY FEDERAL CREDIT UNION
Address:
(Main Office)
3040 S PARK AVE
LACKAWANNA, NY 14218-2643
Phone:(716) 827-7788
Fax:(716) 827-7791
Website:http://www.stownsfcu.com
Branches:1 branch locations
Members:2,255
Credit Union Type:Federal Credit Union
Charter Number:17891
Membership Type:Community credit unions, urban or rural, other than those designated 'low income'
Corporate Credit Union:No
Year Opened:1967
Last Audited:Oct 01, 2020
FHLB Member:No
Low Income Designation:No
Assets:$18,746,527
CEO/Manager:diana lavis
Chairperson:James Oszust

Call Report

  • Overdraft Lines of Credit
  • Participation Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 3,168,440
TOTAL INVESTMENTS 9,777,180
Loans Held for Sale 0
 
 Real Estate Loans 2,212,424
 Unsecured Loans 611,173
 Other Loans 2,185,551
 TOTAL LOANS 5,009,148
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -31,399
 Land And Building 292,905
 Other Fixed Assets 48,114
 NCUSIF Deposit 148,120
 All Other Assets 334,019
  TOTAL ASSETS 18,746,527
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 58,726
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 3,536,503
 Regular shares 13,695,099
 All Other Shares & Deposits 142,972
  TOTAL SHARES & DEPOSITS 17,374,574
  TOTAL LIABILITIES 17,433,300
 Regular Reserve 209,535
 Other Reserves 0
 Undivided Earnings 1,103,692
  TOTAL EQUITY 1,313,227
  TOTAL LIABILITIES, SHARES, & EQUITY 18,746,527
INCOME & EXPENSE  
 Loan Income 47,925
 Investment Income 40,691
 Other Income 14,317
 Total Employee Compensation & Benefits 60,351
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 64,758
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 377
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -5,942
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