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TWIN RIVERS FEDERAL CREDIT UNION

Dec, 31, 2023 — TWIN RIVERS FEDERAL CREDIT UNION is a federal credit union headquartered in MASSENA, NY with 1 branch location and about $37.06 million in total assets. Opened 54 years ago in 1970, TWIN RIVERS FEDERAL CREDIT UNION has about 2,723 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:https://www.twinriversfcu.org
Branches:1 branch locations
Members:2,723
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:Aug 01, 2023
FHLB Member:Yes
Low Income Designation:No
Assets:$37,059,489
CEO/Manager:Jane M Tyo
Chairperson:R Shawn Gray

Call Report

  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 2,259,269
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 3,912,291
 Unsecured Loans 1,846,848
 Other Loans 10,647,585
 TOTAL LOANS 16,406,724
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -156,315
 Land And Building 245,486
 Other Fixed Assets 52,862
 NCUSIF Deposit 330,938
 All Other Assets 0
  TOTAL ASSETS 37,059,489
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 432,907
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 8,654,403
 Regular shares 21,725,336
 All Other Shares & Deposits 4,173,499
  TOTAL SHARES & DEPOSITS 34,553,238
  TOTAL LIABILITIES 34,986,145
 Regular Reserve 0
 Other Reserves -2,383,587
 Undivided Earnings 4,456,931
  TOTAL EQUITY 2,073,344
  TOTAL LIABILITIES, SHARES, & EQUITY 37,059,489
INCOME & EXPENSE  
 Loan Income 902,829
 Investment Income 605,059
 Other Income 119,413
 Total Employee Compensation & Benefits 710,339
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 846,514
 Non-operating Income & (Expense) 43,105
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 27,000
 Cost of Funds 110,407
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 176,912
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