Sep, 30, 2025 — FINGER LAKES FEDERAL CREDIT UNION is a federal credit union headquartered in GENEVA, NY with 4 branch locations and about $248.25 million in total assets. Opened 59 years ago in 1967, FINGER LAKES FEDERAL CREDIT UNION has about 20,188 members and employs 45 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FINGER LAKES FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 27 Seneca St GENEVA, NY 14456-3502 |
| Phone: | (315) 781-1334 |
| Fax: | (315) 781-2385 |
| Website: | https://www.flfcu.org |
| Branches: | 4 branch locations |
| Members: | 20,188 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 18022 |
|---|---|
| Membership Type: | Community - CBSA(+) Adjacent |
| Corporate Credit Union: | No |
| Year Opened: | 1967 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $248,252,608 |
| CEO/Manager: | Robert J McFadden |
| Chairperson: | Robert Stivers |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 23,737,295 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 96,210,722 |
| Unsecured Loans | 11,090,876 |
| Other Loans | 50,055,565 |
| TOTAL LOANS | 157,357,163 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -804,055 |
| Land And Building | 1,892,623 |
| Other Fixed Assets | 228,722 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,983,387 |
| All Other Assets | 0 |
| TOTAL ASSETS | 248,252,608 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 5,330,654 |
| Accounts Payable & Other Liabilities | 525,466 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 60,645,079 |
| Regular shares | 129,229,724 |
| All Other Shares & Deposits | 20,037,272 |
| TOTAL SHARES & DEPOSITS | 209,912,075 |
| TOTAL LIABILITIES | 215,768,195 |
| Regular Reserve | 0 |
| Other Reserves | 2,875,795 |
| Undivided Earnings | 29,608,618 |
| TOTAL EQUITY | 32,484,413 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 248,252,608 |
| INCOME & EXPENSE | |
| Loan Income | 5,978,015 |
| Investment Income | 1,805,494 |
| Other Income | 1,100,825 |
| Total Employee Compensation & Benefits | 3,080,554 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,786,826 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 138,318 |
| Cost of Funds | 228,523 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,784,219 |
| ↑ Back to Top | |