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National Credit Union Service Organization

PENOBSCOT COUNTY FEDERAL CREDIT UNION

Dec, 31, 2020 — PENOBSCOT COUNTY FEDERAL CREDIT UNION is a federal credit union headquartered in Old Town, ME with 3 branch locations and about $92.11 million in total assets. Opened 53 years ago in 1968, PENOBSCOT COUNTY FEDERAL CREDIT UNION has about 10,974 members and employs 23 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:PENOBSCOT COUNTY FEDERAL CREDIT UNION
Address:
(Main Office)
PO Box 434
Old Town, ME 04468
Phone:(207) 827-3165
Fax:(207) 827-6674
Website:http://www.penobscotfcu.com
Branches:3 branch locations
Members:10,974
Credit Union Type:Federal Credit Union
Charter Number:18507
Membership Type:Community credit unions, urban or rural, other than those designated 'low income'
Corporate Credit Union:No
Year Opened:1968
Last Audited:Dec 01, 2019
FHLB Member:Yes
Low Income Designation:No
Assets:$92,110,427
CEO/Manager:Ryan Ellsworth
Chairperson:John St. Peter

Call Report

  • Commercial Loans
  • 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
  • Share Secured Credit Cards
  • Payday Alternative Loans (PAL Loans)
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • In-School Branches
  • International Remittances

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 26,639,520
TOTAL INVESTMENTS 3,376,095
Loans Held for Sale 0
 
 Real Estate Loans 20,822,269
 Unsecured Loans 4,169,068
 Other Loans 32,148,829
 TOTAL LOANS 57,140,166
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -189,602
 Land And Building 1,325,165
 Other Fixed Assets 135,267
 NCUSIF Deposit 781,471
 All Other Assets 2,902,345
  TOTAL ASSETS 92,110,427
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 730,038
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 14,530,987
 Regular shares 26,875,651
 All Other Shares & Deposits 43,834,554
  TOTAL SHARES & DEPOSITS 85,241,192
  TOTAL LIABILITIES 85,971,230
 Regular Reserve 267,524
 Other Reserves 1,221,203
 Undivided Earnings 4,650,470
  TOTAL EQUITY 6,139,197
  TOTAL LIABILITIES, SHARES, & EQUITY 92,110,427
INCOME & EXPENSE  
 Loan Income 3,418,561
 Investment Income 88,790
 Other Income 872,523
 Total Employee Compensation & Benefits 1,682,638
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,857,024
 Non-operating Income & (Expense) -17,334
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 109,125
 Cost of Funds 999,542
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -285,789
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