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TWIN RIVERS FEDERAL CREDIT UNION

Mar, 31, 2021 — TWIN RIVERS FEDERAL CREDIT UNION is a federal credit union headquartered in Massena, NY with 1 branch location and about $37.10 million in total assets. Opened 51 years ago in 1970, TWIN RIVERS FEDERAL CREDIT UNION has about 2,839 members and employs 9 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: 221376542
Name:TWIN RIVERS FEDERAL CREDIT UNION
Address:
(Main Office)
23 Phillips St
Massena, NY 13662
Phone:(315) 764-0240
Fax:(315) 769-2219
Website:http://www.twinriversfcu.org
Branches:1 branch locations
Members:2,839
Credit Union Type:Federal Credit Union
Charter Number:20290
Membership Type:Community credit unions, urban or rural, other than those designated 'low income'
Corporate Credit Union:No
Year Opened:1970
Last Audited:Sep 01, 2020
FHLB Member:No
Low Income Designation:No
Assets:$37,104,311
CEO/Manager:Jane M Tyo
Chairperson:R Shawn Gray

Call Report

  • Overdraft Lines of Credit
  • Real Estate Loans
  • ATM/Debit Card Program
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 5,836,552
TOTAL INVESTMENTS 17,195,641
Loans Held for Sale 0
 
 Real Estate Loans 3,893,938
 Unsecured Loans 1,585,962
 Other Loans 7,881,368
 TOTAL LOANS 13,361,268
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -117,131
 Land And Building 224,836
 Other Fixed Assets 54,937
 NCUSIF Deposit 254,769
 All Other Assets 293,439
  TOTAL ASSETS 37,104,311
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 298,255
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 9,835,275
 Regular shares 19,990,753
 All Other Shares & Deposits 2,812,580
  TOTAL SHARES & DEPOSITS 32,638,608
  TOTAL LIABILITIES 32,936,863
 Regular Reserve 451,284
 Other Reserves 122,439
 Undivided Earnings 3,593,725
  TOTAL EQUITY 4,167,448
  TOTAL LIABILITIES, SHARES, & EQUITY 37,104,311
INCOME & EXPENSE  
 Loan Income 193,867
 Investment Income 29,739
 Other Income 23,288
 Total Employee Compensation & Benefits 148,682
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 174,385
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 3,735
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -30,024
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